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<!--
  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
-->
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    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-b_NotesSharesOtherVariableYieldSecuritiesMovementBanks_loc" xlink:to="kvk-lr-b_NotesSharesOtherVariableYieldSecuritiesMovementBanks_label_de" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-b_NotesSharesOtherVariableYieldSecuritiesMovementPreviousBanks_loc" xlink:to="kvk-lr-b_NotesSharesOtherVariableYieldSecuritiesMovementPreviousBanks_label_de" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-b_NotesSubordinatedLiabilitiesBanks_loc" xlink:to="kvk-lr-b_NotesSubordinatedLiabilitiesBanks_label_de" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-b_NotesSubordinatedLiabilitiesBreakdownMaturityBanks_loc" xlink:to="kvk-lr-b_NotesSubordinatedLiabilitiesBreakdownMaturityBanks_label_de" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-b_NotesSubordinatedLiabilitiesBreakdownMaturityPreviousBanks_loc" xlink:to="kvk-lr-b_NotesSubordinatedLiabilitiesBreakdownMaturityPreviousBanks_label_de" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-b_NotesSubordinatedLiabilitiesSpecificationBanks_loc" xlink:to="kvk-lr-b_NotesSubordinatedLiabilitiesSpecificationBanks_label_de" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-b_ReceivablesFromCreditInstitutionsBanks_loc" xlink:to="kvk-lr-b_ReceivablesFromCreditInstitutionsBanks_label_de" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-b_ReceivablesFromCustomersBanks_loc" xlink:to="kvk-lr-b_ReceivablesFromCustomersBanks_label_de" xlink:type="arc"/>
    <label:label id="kvk-lr-b_BalanceSheetBanks_label_de" xlink:label="kvk-lr-b_BalanceSheetBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Bilanz</label:label>
    <label:label id="kvk-lr-b_DerivativeFinancialInstrumentsBanks_label_de" xlink:label="kvk-lr-b_DerivativeFinancialInstrumentsBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Derivative Finanzinstrumente</label:label>
    <label:label id="kvk-lr-b_NotesDepreciationAmortisationAndChangesValuePropertyPlantEquipmentIntangibleAssetsBanks_label_de" xlink:label="kvk-lr-b_NotesDepreciationAmortisationAndChangesValuePropertyPlantEquipmentIntangibleAssetsBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Abschreibungen und Wertveränderungen zu Lasten von immateriellem und Sachanlagevermögen</label:label>
    <label:label id="kvk-lr-b_NotesAccruedIncomeBanks_label_de" xlink:label="kvk-lr-b_NotesAccruedIncomeBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Aktive Rechnungsabgrenzungsposten</label:label>
    <label:label id="kvk-lr-b_NotesGeneralAccountingPrinciplesBanks_label_de" xlink:label="kvk-lr-b_NotesGeneralAccountingPrinciplesBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Allgemeine Grundlagen für die Berichterstattung</label:label>
    <label:label id="kvk-lr-b_NotesSharesOtherVariableYieldSecuritiesMovementPreviousBanks_label_de" xlink:label="kvk-lr-b_NotesSharesOtherVariableYieldSecuritiesMovementPreviousBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Anteile und andere nicht-festverzinsliche Wertpapiere, vorangegangener Berichtszeitraum: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-b_NotesSharesOtherVariableYieldSecuritiesMovementBanks_label_de" xlink:label="kvk-lr-b_NotesSharesOtherVariableYieldSecuritiesMovementBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Anteile und andere nicht-festverzinsliche Wertpapiere: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-b_NotesSharesOtherVariableYieldSecuritiesBanks_label_de" xlink:label="kvk-lr-b_NotesSharesOtherVariableYieldSecuritiesBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Anteile und andere nicht-festverzinsliche Wertpapiere</label:label>
    <label:label id="kvk-lr-b_NotesExtraordinaryExpensesBanks_label_de" xlink:label="kvk-lr-b_NotesExtraordinaryExpensesBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Außergewöhnliche Aufwendungen</label:label>
    <label:label id="kvk-lr-b_NotesExtraordinaryIncomeBanks_label_de" xlink:label="kvk-lr-b_NotesExtraordinaryIncomeBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Außergewöhnliche Erträge</label:label>
    <label:label id="kvk-lr-b_NotesInvestmentsInParticipatingInterestsInGroupCompaniesMovementPreviousBanks_label_de" xlink:label="kvk-lr-b_NotesInvestmentsInParticipatingInterestsInGroupCompaniesMovementPreviousBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Beteiligungen an Konzerngesellschaften, vorangegangener Berichtszeitraum: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-b_NotesInvestmentsInParticipatingInterestsInGroupCompaniesMovementBanks_label_de" xlink:label="kvk-lr-b_NotesInvestmentsInParticipatingInterestsInGroupCompaniesMovementBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Beteiligungen an Konzerngesellschaften: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-b_NotesInvestmentsInParticipatingInterestsInGroupCompaniesBanks_label_de" xlink:label="kvk-lr-b_NotesInvestmentsInParticipatingInterestsInGroupCompaniesBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Beteiligungen an Konzerngesellschaften</label:label>
    <label:label id="kvk-lr-b_NotesDerivativeFinancialInstrumentsBanks_label_de" xlink:label="kvk-lr-b_NotesDerivativeFinancialInstrumentsBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Derivative Finanzinstrumente</label:label>
    <label:label id="kvk-lr-b_NotesRetainedEarningsBanks_label_de" xlink:label="kvk-lr-b_NotesRetainedEarningsBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Einbehaltener Gewinn</label:label>
    <label:label id="kvk-lr-b_NotesResultFromFinancialTransactionsBreakdownBanks_label_de" xlink:label="kvk-lr-b_NotesResultFromFinancialTransactionsBreakdownBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Ergebnis aus Finanztransaktionen: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-b_NotesResultFromFinancialTransactionsBanks_label_de" xlink:label="kvk-lr-b_NotesResultFromFinancialTransactionsBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Ergebnis aus Finanztransaktionen</label:label>
    <label:label id="kvk-lr-b_NotesCapitalRatioBanks_label_de" xlink:label="kvk-lr-b_NotesCapitalRatioBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Erläuterung der Kapitalquoten</label:label>
    <label:label id="kvk-lr-b_NotesIncomeFromSecuritiesAndInvestmentsInParticipatingInterestsOtherAmountsBreakdownBanks_label_de" xlink:label="kvk-lr-b_NotesIncomeFromSecuritiesAndInvestmentsInParticipatingInterestsOtherAmountsBreakdownBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Erträge aus Wertpapieren und Beteiligungen: Sonstige Beträge: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-b_NotesIncomeFromSecuritiesAndInvestmentsInParticipatingInterestsBanks_label_de" xlink:label="kvk-lr-b_NotesIncomeFromSecuritiesAndInvestmentsInParticipatingInterestsBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Erträge aus Wertpapieren und Beteiligungen</label:label>
    <label:label id="kvk-lr-b_NotesGeneralBankingRisksReserveMovementPreviousBanks_label_de" xlink:label="kvk-lr-b_NotesGeneralBankingRisksReserveMovementPreviousBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Fonds für allgemeine Bankrisiken, vorangegangener Berichtszeitraum: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-b_NotesGeneralBankingRisksReserveMovementBanks_label_de" xlink:label="kvk-lr-b_NotesGeneralBankingRisksReserveMovementBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Fonds für allgemeine Bankrisiken: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-b_NotesGeneralBankingRisksReserveBanks_label_de" xlink:label="kvk-lr-b_NotesGeneralBankingRisksReserveBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Fonds für allgemeine Bankrisiken</label:label>
    <label:label id="kvk-lr-b_NotesReceivablesFromCreditInstitutionsIndefiniteMaturityBreakdownBanks_label_de" xlink:label="kvk-lr-b_NotesReceivablesFromCreditInstitutionsIndefiniteMaturityBreakdownBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Forderungen an Kreditinstitute mit unbegrenzter Laufzeit: Aufschlüsselung Laufzeit</label:label>
    <label:label id="kvk-lr-b_NotesReceivablesFromCustomersIndefiniteMaturityBreakdownBanks_label_de" xlink:label="kvk-lr-b_NotesReceivablesFromCustomersIndefiniteMaturityBreakdownBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Forderungen an Kreditinstitute mit unbegrenzter Laufzeit: Aufschlüsselung Laufzeit</label:label>
    <label:label id="kvk-lr-b_NotesReceivablesFromCreditInstitutionsBreakdownMaturityPreviousBanks_label_de" xlink:label="kvk-lr-b_NotesReceivablesFromCreditInstitutionsBreakdownMaturityPreviousBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Forderungen an Kreditinstitute, vorangegangener Berichtszeitraum: Aufschlüsselung Laufzeit</label:label>
    <label:label id="kvk-lr-b_NotesReceivablesFromCreditInstitutionsMovementPreviousBanks_label_de" xlink:label="kvk-lr-b_NotesReceivablesFromCreditInstitutionsMovementPreviousBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Forderungen an Kreditinstitute, vorangegangener Berichtszeitraum: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-b_NotesReceivablesFromCreditInstitutionsBreakdownMaturityBanks_label_de" xlink:label="kvk-lr-b_NotesReceivablesFromCreditInstitutionsBreakdownMaturityBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Forderungen an Kreditinstitute: Aufschlüsselung Laufzeit</label:label>
    <label:label id="kvk-lr-b_NotesReceivablesFromCreditInstitutionsMovementBanks_label_de" xlink:label="kvk-lr-b_NotesReceivablesFromCreditInstitutionsMovementBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Forderungen an Kreditinstitute: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-b_NotesReceivablesFromCreditInstitutionsBanks_label_de" xlink:label="kvk-lr-b_NotesReceivablesFromCreditInstitutionsBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Forderungen an Kreditinstitute</label:label>
    <label:label id="kvk-lr-b_NotesReceivablesFromCustomersBreakdownMaturityPreviousBanks_label_de" xlink:label="kvk-lr-b_NotesReceivablesFromCustomersBreakdownMaturityPreviousBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Forderungen an Kunden, vorangegangener Berichtszeitraum: Aufschlüsselung Laufzeit</label:label>
    <label:label id="kvk-lr-b_NotesReceivablesFromCustomersMovementPreviousBanks_label_de" xlink:label="kvk-lr-b_NotesReceivablesFromCustomersMovementPreviousBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Forderungen an Kunden, vorangegangener Berichtszeitraum: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-b_NotesReceivablesFromCustomersBreakdownMaturityBanks_label_de" xlink:label="kvk-lr-b_NotesReceivablesFromCustomersBreakdownMaturityBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Forderungen an Kunden: Aufschlüsselung Laufzeit</label:label>
    <label:label id="kvk-lr-b_NotesReceivablesFromCustomersMovementBanks_label_de" xlink:label="kvk-lr-b_NotesReceivablesFromCustomersMovementBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Forderungen an Kunden: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-b_NotesReceivablesFromCustomersBanks_label_de" xlink:label="kvk-lr-b_NotesReceivablesFromCustomersBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Forderungen an Kunden</label:label>
    <label:label id="kvk-lr-b_NotesReceivablesFromBanksReceivablesFromBanksOtherSpecificationBanks_label_de" xlink:label="kvk-lr-b_NotesReceivablesFromBanksReceivablesFromBanksOtherSpecificationBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Forderungen gegenüber Banken: Sonstige Forderungen Banken: Spezifikation</label:label>
    <label:label id="kvk-lr-b_NotesDecreaseInValueReleaseOfReceivablesAndProvisionsForOnBalanceSheetCommitmentsBanks_label_de" xlink:label="kvk-lr-b_NotesDecreaseInValueReleaseOfReceivablesAndProvisionsForOnBalanceSheetCommitmentsBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Freigabe Wertminderungen von Forderungen und Rückstellungen für unter der Bilanz aufgenomme Verbindlichkeiten</label:label>
    <label:label id="kvk-lr-b_NotesDecreaseInValueReleaseNoncurrentSecuritiesInvestmentsParticipatingInterestsBanks_label_de" xlink:label="kvk-lr-b_NotesDecreaseInValueReleaseNoncurrentSecuritiesInvestmentsParticipatingInterestsBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Freigabe von Wertminderungen von zum Anlagevermögen gehörenden Wertpapieren und Beteiligungen</label:label>
    <label:label id="kvk-lr-b_NotesLegalReservesBanks_label_de" xlink:label="kvk-lr-b_NotesLegalReservesBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Gesetzliche Rücklagen</label:label>
    <label:label id="kvk-lr-b_NotesAccountingPrinciplesAssetsLiabilitiesBanks_label_de" xlink:label="kvk-lr-b_NotesAccountingPrinciplesAssetsLiabilitiesBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Grundlagen der Bewertung von Aktiva und Passiva</label:label>
    <label:label id="kvk-lr-b_NotesAccountingPrinciplesResultBanks_label_de" xlink:label="kvk-lr-b_NotesAccountingPrinciplesResultBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Grundlagen für die Ermittlung des Ergebnisses</label:label>
    <label:label id="kvk-lr-b_NotesAmountOfAssetsLiabilitiesInForeignCurrenciesBanks_label_de" xlink:label="kvk-lr-b_NotesAmountOfAssetsLiabilitiesInForeignCurrenciesBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Höhe der Aktiva und Passiva in Fremdwährung</label:label>
    <label:label id="kvk-lr-b_NotesCapitalRatioBreakdownBanks_label_de" xlink:label="kvk-lr-b_NotesCapitalRatioBreakdownBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Kapitalquoten: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-b_NotesCashInHandBreakdownBanks_label_de" xlink:label="kvk-lr-b_NotesCashInHandBreakdownBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Kassenbestand: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-b_NotesCashInHandBanks_label_de" xlink:label="kvk-lr-b_NotesCashInHandBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Kassenbestand</label:label>
    <label:label id="kvk-lr-b_NotesReceivablesFromCreditInstitutionsConcentrationCollateralSpecificationBanks_label_de" xlink:label="kvk-lr-b_NotesReceivablesFromCreditInstitutionsConcentrationCollateralSpecificationBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Konzentrationen von Forderungen an Kreditinstitute pro Sicherheit: Spezifikation</label:label>
    <label:label id="kvk-lr-b_NotesReceivablesFromCreditInstitutionsConcentrationGeographicAreaSpecificationBanks_label_de" xlink:label="kvk-lr-b_NotesReceivablesFromCreditInstitutionsConcentrationGeographicAreaSpecificationBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Konzentrationen von Forderungen an Kreditinstitute pro geografischer Region: Spezifikation</label:label>
    <label:label id="kvk-lr-b_NotesReceivablesFromCustomersConcentrationIndustrySpecificationBanks_label_de" xlink:label="kvk-lr-b_NotesReceivablesFromCustomersConcentrationIndustrySpecificationBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Konzentrationen von Forderungen an Kunden pro Branche: Spezifikation</label:label>
    <label:label id="kvk-lr-b_NotesReceivablesFromCustomersConcentrationCollateralSpecificationBanks_label_de" xlink:label="kvk-lr-b_NotesReceivablesFromCustomersConcentrationCollateralSpecificationBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Konzentrationen von Forderungen an Kunden pro Sektor: Spezifikation</label:label>
    <label:label id="kvk-lr-b_NotesReceivablesFromCustomersConcentrationSectorSpecificationBanks_label_de" xlink:label="kvk-lr-b_NotesReceivablesFromCustomersConcentrationSectorSpecificationBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Konzentrationen von Forderungen an Kunden pro Sektor: Spezifikation</label:label>
    <label:label id="kvk-lr-b_NotesReceivablesFromCustomersConcentrationGeographicAreaSpecificationBanks_label_de" xlink:label="kvk-lr-b_NotesReceivablesFromCustomersConcentrationGeographicAreaSpecificationBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Konzentrationen von Forderungen an Kunden pro geografischer Region: Spezifikation</label:label>
    <label:label id="kvk-lr-b_NotesContingentLiabilitiesBreakdownBanks_label_de" xlink:label="kvk-lr-b_NotesContingentLiabilitiesBreakdownBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Leistungszusagen: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-b_NotesContingentLiabilitiesBanks_label_de" xlink:label="kvk-lr-b_NotesContingentLiabilitiesBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Leistungszusagen</label:label>
    <label:label id="kvk-lr-b_NotesManagementMaintenanceAndServicesThirdPartiesBanks_label_de" xlink:label="kvk-lr-b_NotesManagementMaintenanceAndServicesThirdPartiesBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Management und Mediation für Dritte</label:label>
    <label:label id="kvk-lr-b_NotesSubordinatedLiabilitiesBreakdownMaturityPreviousBanks_label_de" xlink:label="kvk-lr-b_NotesSubordinatedLiabilitiesBreakdownMaturityPreviousBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Nachrangige Schulden, vorangegangener Berichtszeitraum: Aufschlüsselung Laufzeit</label:label>
    <label:label id="kvk-lr-b_NotesSubordinatedLiabilitiesBreakdownMaturityBanks_label_de" xlink:label="kvk-lr-b_NotesSubordinatedLiabilitiesBreakdownMaturityBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Nachrangige Schulden: Aufschlüsselung Laufzeit</label:label>
    <label:label id="kvk-lr-b_NotesSubordinatedLiabilitiesSpecificationBanks_label_de" xlink:label="kvk-lr-b_NotesSubordinatedLiabilitiesSpecificationBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Nachrangige Schulden: Spezifikation</label:label>
    <label:label id="kvk-lr-b_NotesSubordinatedLiabilitiesBanks_label_de" xlink:label="kvk-lr-b_NotesSubordinatedLiabilitiesBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Nachrangige Schulden</label:label>
    <label:label id="kvk-lr-b_NotesAccrualsAndDeferredIncomeBanks_label_de" xlink:label="kvk-lr-b_NotesAccrualsAndDeferredIncomeBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Passive Rechnungsabgrenzungsposten</label:label>
    <label:label id="kvk-lr-b_NotesEmployeeBenefitsAndOtherAdministrativeExpensesBanks_label_de" xlink:label="kvk-lr-b_NotesEmployeeBenefitsAndOtherAdministrativeExpensesBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Personal- und andere Verwaltungskosten</label:label>
    <label:label id="kvk-lr-b_NotesCommissionsPaidAndPayableBanks_label_de" xlink:label="kvk-lr-b_NotesCommissionsPaidAndPayableBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Provisionsaufwendungen</label:label>
    <label:label id="kvk-lr-b_NotesCommissionsReceivedAndReceivableBanks_label_de" xlink:label="kvk-lr-b_NotesCommissionsReceivedAndReceivableBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Provisionserträge</label:label>
    <label:label id="kvk-lr-b_NotesProvisionsBreakdownBanks_label_de" xlink:label="kvk-lr-b_NotesProvisionsBreakdownBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Rückstellungen: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-b_NotesProvisionsBanks_label_de" xlink:label="kvk-lr-b_NotesProvisionsBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Rückstellungen</label:label>
    <label:label id="kvk-lr-b_NotesPropertyPlantEquipmentMovementPreviousBanks_label_de" xlink:label="kvk-lr-b_NotesPropertyPlantEquipmentMovementPreviousBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Sachanlagevermögen, vorangegangener Berichtszeitraum: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-b_NotesPropertyPlantEquipmentPropertyPlantEquipmentOtherMovementPreviousSpecificationBanks_label_de" xlink:label="kvk-lr-b_NotesPropertyPlantEquipmentPropertyPlantEquipmentOtherMovementPreviousSpecificationBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Sachanlagevermögen: Sonstige Sachanlagen, vorangegangener Berichtszeitraum: Verlaufsübersicht: Spezifikation</label:label>
    <label:label id="kvk-lr-b_NotesPropertyPlantEquipmentPropertyPlantEquipmentOtherMovementSpecificationBanks_label_de" xlink:label="kvk-lr-b_NotesPropertyPlantEquipmentPropertyPlantEquipmentOtherMovementSpecificationBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Sachanlagevermögen: Sonstige Sachanlagen: Verlaufsübersicht: Spezifikation</label:label>
    <label:label id="kvk-lr-b_NotesPropertyPlantEquipmentPropertyPlantEquipmentOtherSpecificationBanks_label_de" xlink:label="kvk-lr-b_NotesPropertyPlantEquipmentPropertyPlantEquipmentOtherSpecificationBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Sachanlagevermögen: Sonstiges Sachanlagevermögen: Spezifikation</label:label>
    <label:label id="kvk-lr-b_NotesPropertyPlantEquipmentMovementBanks_label_de" xlink:label="kvk-lr-b_NotesPropertyPlantEquipmentMovementBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Sachanlagevermögen: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-b_NotesPropertyPlantEquipmentEconomicLifeBanks_label_de" xlink:label="kvk-lr-b_NotesPropertyPlantEquipmentEconomicLifeBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Sachanlagevermögen: Wirtschaftliche Nutzungsdauer</label:label>
    <label:label id="kvk-lr-b_NotesPropertyPlantEquipmentBanks_label_de" xlink:label="kvk-lr-b_NotesPropertyPlantEquipmentBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Sachanlagevermögen</label:label>
    <label:label id="kvk-lr-b_NotesPayablesCreditInstitutionsBreakdownMaturityPreviousBanks_label_de" xlink:label="kvk-lr-b_NotesPayablesCreditInstitutionsBreakdownMaturityPreviousBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Schulden bei Kreditinstituten, vorangegangener Berichtszeitraum: Aufschlüsselung Laufzeit</label:label>
    <label:label id="kvk-lr-b_NotesPayablesCreditInstitutionsBreakdownMaturityBanks_label_de" xlink:label="kvk-lr-b_NotesPayablesCreditInstitutionsBreakdownMaturityBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Schulden bei Kreditinstituten: Aufschlüsselung Laufzeit</label:label>
    <label:label id="kvk-lr-b_NotesPayablesCreditInstitutionsPayablesCreditInstitutionsOtherSpecificationBanks_label_de" xlink:label="kvk-lr-b_NotesPayablesCreditInstitutionsPayablesCreditInstitutionsOtherSpecificationBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Schulden bei Kreditinstituten: Sonstige Verbindlichkeiten bei Kreditinstituten: Spezifikation</label:label>
    <label:label id="kvk-lr-b_NotesPayablesCustomersBreakdownMaturityPreviousBanks_label_de" xlink:label="kvk-lr-b_NotesPayablesCustomersBreakdownMaturityPreviousBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Schulden bei Kunden, vorangegangener Berichtszeitraum: Aufschlüsselung Laufzeit</label:label>
    <label:label id="kvk-lr-b_NotesPayablesCustomersBreakdownMaturityBanks_label_de" xlink:label="kvk-lr-b_NotesPayablesCustomersBreakdownMaturityBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Schulden bei Kunden: Aufschlüsselung Laufzeit</label:label>
    <label:label id="kvk-lr-b_NotesPayablesCustomersPayablesCustomersPayablesCustomersOtherOtherSpecificationBanks_label_de" xlink:label="kvk-lr-b_NotesPayablesCustomersPayablesCustomersPayablesCustomersOtherOtherSpecificationBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Schulden bei Kunden: Sonstige Arten von sonstigen Verbindlichkeiten bei Kunden: Spezifikation</label:label>
    <label:label id="kvk-lr-b_NotesPayablesCustomersPayablesCustomersDepositsOtherSpecificationBanks_label_de" xlink:label="kvk-lr-b_NotesPayablesCustomersPayablesCustomersDepositsOtherSpecificationBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Schulden bei Kunden: Sonstige Verbindlichkeiten bei Kunden im Zusammenhang mit Einlagen: Spezifikation</label:label>
    <label:label id="kvk-lr-b_NotesPayablesGroupCompaniesAndShareholdersParticipatingInterestsBreakdownPreviousBanks_label_de" xlink:label="kvk-lr-b_NotesPayablesGroupCompaniesAndShareholdersParticipatingInterestsBreakdownPreviousBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Schulden gegenüber Konzerngesellschaften und Teilnahme an Beteiligungen, vorangegangener Berichtszeitraum: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-b_NotesPayablesGroupCompaniesAndShareholdersParticipatingInterestsBreakdownBanks_label_de" xlink:label="kvk-lr-b_NotesPayablesGroupCompaniesAndShareholdersParticipatingInterestsBreakdownBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Schulden gegenüber Konzerngesellschaften und Teilnahme an Beteiligungen: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-b_NotesPayablesCreditInstitutionsBanks_label_de" xlink:label="kvk-lr-b_NotesPayablesCreditInstitutionsBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Schulden gegenüber Kreditinstituten</label:label>
    <label:label id="kvk-lr-b_NotesPayablesCustomersBanks_label_de" xlink:label="kvk-lr-b_NotesPayablesCustomersBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Schulden gegenüber Kunden</label:label>
    <label:label id="kvk-lr-b_NotesDebtSecuritiesBreakdownMaturityPreviousBanks_label_de" xlink:label="kvk-lr-b_NotesDebtSecuritiesBreakdownMaturityPreviousBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Schuldtitel, vorangegangener Berichtszeitraum: Aufschlüsselung Laufzeit</label:label>
    <label:label id="kvk-lr-b_NotesDebtSecuritiesBreakdownMaturityBanks_label_de" xlink:label="kvk-lr-b_NotesDebtSecuritiesBreakdownMaturityBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Schuldtitel: Aufschlüsselung Laufzeit</label:label>
    <label:label id="kvk-lr-b_NotesDebtSecuritiesBanks_label_de" xlink:label="kvk-lr-b_NotesDebtSecuritiesBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Schuldtitel</label:label>
    <label:label id="kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesPublicOfferingBreakdownPreviousBanks_label_de" xlink:label="kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesPublicOfferingBreakdownPreviousBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Schuldverschreibungen und andere festverzinsliche Wertpapiere, Börsennotierung, vorangegangener Berichtszeitraum: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesPublicOfferingBreakdownBanks_label_de" xlink:label="kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesPublicOfferingBreakdownBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Schuldverschreibungen und andere festverzinsliche Wertpapiere, Börsennotierung: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesIssuerBreakdownPreviousBanks_label_de" xlink:label="kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesIssuerBreakdownPreviousBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Schuldverschreibungen und andere festverzinsliche Wertpapiere, Emittent, vorangegangener Berichtszeitraum: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesIssuerBreakdownBanks_label_de" xlink:label="kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesIssuerBreakdownBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Schuldverschreibungen und andere festverzinsliche Wertpapiere, Emittent: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesExigibilityBreakdownPreviousBanks_label_de" xlink:label="kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesExigibilityBreakdownPreviousBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Schuldverschreibungen und andere festverzinsliche Wertpapiere, Fälligkeit, vorangegangener Berichtszeitraum: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesExigibilityBreakdownBanks_label_de" xlink:label="kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesExigibilityBreakdownBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Schuldverschreibungen und andere festverzinsliche Wertpapiere, Fälligkeit: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesMovementPreviousBanks_label_de" xlink:label="kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesMovementPreviousBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Schuldverschreibungen und andere festverzinsliche Wertpapiere, vorangegangener Berichtszeitraum: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesMovementBanks_label_de" xlink:label="kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesMovementBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Schuldverschreibungen und andere festverzinsliche Wertpapiere: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesBanks_label_de" xlink:label="kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Schuldverschreibungen und andere festverzinsliche Wertpapiere</label:label>
    <label:label id="kvk-lr-b_NotesSegmentReportingSpecificationBanks_label_de" xlink:label="kvk-lr-b_NotesSegmentReportingSpecificationBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Segmentierte Informationen: Spezifikation</label:label>
    <label:label id="kvk-lr-b_NotesAssetsOtherAssetsOtherSpecificationBanks_label_de" xlink:label="kvk-lr-b_NotesAssetsOtherAssetsOtherSpecificationBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Sonstige Aktiva: Sonstige Aktiva: Spezifikation</label:label>
    <label:label id="kvk-lr-b_NotesAssetsOtherBanks_label_de" xlink:label="kvk-lr-b_NotesAssetsOtherBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Sonstige Aktiva</label:label>
    <label:label id="kvk-lr-b_NotesInvestmentsInParticipatingInterestsOtherMovementPreviousBanks_label_de" xlink:label="kvk-lr-b_NotesInvestmentsInParticipatingInterestsOtherMovementPreviousBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Sonstige Beteiligungen, vorangegangener Berichtszeitraum: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-b_NotesInvestmentsInParticipatingInterestsOtherMovementBanks_label_de" xlink:label="kvk-lr-b_NotesInvestmentsInParticipatingInterestsOtherMovementBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Sonstige Beteiligungen: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-b_NotesInvestmentsInParticipatingInterestsOtherBanks_label_de" xlink:label="kvk-lr-b_NotesInvestmentsInParticipatingInterestsOtherBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Sonstige Beteiligungen</label:label>
    <label:label id="kvk-lr-b_NotesOtherOperatingExpensesBanks_label_de" xlink:label="kvk-lr-b_NotesOtherOperatingExpensesBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Sonstige Betriebskosten</label:label>
    <label:label id="kvk-lr-b_NotesPayablesOtherBanks_label_de" xlink:label="kvk-lr-b_NotesPayablesOtherBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Sonstige Schulden</label:label>
    <label:label id="kvk-lr-b_NotesDebtSecuritiesDebtSecuritiesOtherSpecificationBanks_label_de" xlink:label="kvk-lr-b_NotesDebtSecuritiesDebtSecuritiesOtherSpecificationBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Sonstige Schuldtitel: Sonstige Schuldtitel: Spezifikation</label:label>
    <label:label id="kvk-lr-b_NotesPayablesOtherPayablesOtherSpecificationBanks_label_de" xlink:label="kvk-lr-b_NotesPayablesOtherPayablesOtherSpecificationBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Sonstige Verbindlichkeiten: Sonstige Verbindlichkeiten: Spezifikation</label:label>
    <label:label id="kvk-lr-b_NotesGovernmentSecuritiesForCentralBankRefinancingBanks_label_de" xlink:label="kvk-lr-b_NotesGovernmentSecuritiesForCentralBankRefinancingBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Staatsanleihe, refinanzierbar bei der Zentralbank</label:label>
    <label:label id="kvk-lr-b_NotesIncomeTaxExpenseExtraordinaryItemsBanks_label_de" xlink:label="kvk-lr-b_NotesIncomeTaxExpenseExtraordinaryItemsBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Steuern (auf das) außerordentliche Ergebnis</label:label>
    <label:label id="kvk-lr-b_NotesIncomeTaxExpenseOrdinaryActivitiesBanks_label_de" xlink:label="kvk-lr-b_NotesIncomeTaxExpenseOrdinaryActivitiesBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Steuern Ergebnis aus gewöhnlicher Geschäftstätigkeit</label:label>
    <label:label id="kvk-lr-b_NotesIrrevocableCommitmentsBreakdownBanks_label_de" xlink:label="kvk-lr-b_NotesIrrevocableCommitmentsBreakdownBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Unwiderrufliche Zusagen: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-b_NotesIrrevocableCommitmentsBanks_label_de" xlink:label="kvk-lr-b_NotesIrrevocableCommitmentsBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Unwiderrufliche Zusagen</label:label>
    <label:label id="kvk-lr-b_NotesAssetsNotAtTheDisposalBanks_label_de" xlink:label="kvk-lr-b_NotesAssetsNotAtTheDisposalBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Vermögenswerte nicht frei verfügbar</label:label>
    <label:label id="kvk-lr-b_NotesCalledUpShareCapitalBanks_label_de" xlink:label="kvk-lr-b_NotesCalledUpShareCapitalBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Von Anteilseignern beantragte Einzahlungen</label:label>
    <label:label id="kvk-lr-b_NotesDecreaseInValueOfReceivablesAndProvisionsForOnBalanceSheetCommitmentsBanks_label_de" xlink:label="kvk-lr-b_NotesDecreaseInValueOfReceivablesAndProvisionsForOnBalanceSheetCommitmentsBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Wertminderungen von Forderungen und Rückstellungen für unter der Bilanz aufgenomme Verbindlichkeiten</label:label>
    <label:label id="kvk-lr-b_NotesDecreaseInValueOfNoncurrentSecuritiesInvestmentsParticipatingInterestsBanks_label_de" xlink:label="kvk-lr-b_NotesDecreaseInValueOfNoncurrentSecuritiesInvestmentsParticipatingInterestsBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Wertminderungen von zum Anlagevermögen gehörenden Wertpapieren und Beteiligungen</label:label>
    <label:label id="kvk-lr-b_NotesSecuritiesBreakdownBanks_label_de" xlink:label="kvk-lr-b_NotesSecuritiesBreakdownBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Wertpapiere: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-b_NotesSecuritiesBanks_label_de" xlink:label="kvk-lr-b_NotesSecuritiesBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Wertpapiere</label:label>
    <label:label id="kvk-lr-b_NotesInterestExpensesRelatedExpensesBanks_label_de" xlink:label="kvk-lr-b_NotesInterestExpensesRelatedExpensesBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Zinsaufwendungen und ähnliche Kosten</label:label>
    <label:label id="kvk-lr-b_NotesInterestIncomeRelatedIncomeBanks_label_de" xlink:label="kvk-lr-b_NotesInterestIncomeRelatedIncomeBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Zinserträge und ähnliche Erträge</label:label>
    <label:label id="kvk-lr-b_NotesDerivativeFinancialInstrumentsNotionalAmountBreakdownPreviousBanks_label_de" xlink:label="kvk-lr-b_NotesDerivativeFinancialInstrumentsNotionalAmountBreakdownPreviousBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Zugrundeliegende Nominalwerte von derivativen Finanzinstrumenten, vorangegangener Berichtszeitraum: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-b_NotesDerivativeFinancialInstrumentsNotionalAmountBreakdownBanks_label_de" xlink:label="kvk-lr-b_NotesDerivativeFinancialInstrumentsNotionalAmountBreakdownBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Jahresabschluss - Zugrundeliegende Nominalwerte von derivativen Finanzinstrumenten: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedSharesOtherVariableYieldSecuritiesMovementPreviousBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedSharesOtherVariableYieldSecuritiesMovementPreviousBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzerabschluss - Anteile und andere nicht-festverzinsliche Wertpapiere, vorangegangener Berichtszeitraum: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedSharesOtherVariableYieldSecuritiesMovementBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedSharesOtherVariableYieldSecuritiesMovementBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzerabschluss - Anteile und andere nicht-festverzinsliche Wertpapiere: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedSharesOtherVariableYieldSecuritiesBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedSharesOtherVariableYieldSecuritiesBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzerabschluss - Anteile und andere nicht-festverzinsliche Wertpapiere</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedShareInResultsParticipatingInterestsBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedShareInResultsParticipatingInterestsBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Ergebnis aus Beteiligungen</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedResultFromFinancialTransactionsBreakdownBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedResultFromFinancialTransactionsBreakdownBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Ergebnis aus Finanztransaktionen: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedResultFromFinancialTransactionsBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedResultFromFinancialTransactionsBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Ergebnis aus Finanztransaktionen</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedReceivablesFromCreditInstitutionsIndefiniteMaturityBreakdownBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedReceivablesFromCreditInstitutionsIndefiniteMaturityBreakdownBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Forderungen an Kreditinstitute mit unbegrenzter Laufzeit: Aufschlüsselung Laufzeit</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedReceivablesFromCreditInstitutionsMovementPreviousBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedReceivablesFromCreditInstitutionsMovementPreviousBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Forderungen an Kreditinstitute, vorangegangener Berichtszeitraum: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedReceivablesFromCreditInstitutionsMovementBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedReceivablesFromCreditInstitutionsMovementBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Forderungen an Kreditinstitute: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedReceivablesFromCreditInstitutionsBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedReceivablesFromCreditInstitutionsBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Forderungen an Kreditinstitute</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedReceivablesFromCustomersMovementPreviousBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedReceivablesFromCustomersMovementPreviousBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Forderungen an Kunden, vorangegangener Berichtszeitraum: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedReceivablesFromCustomersMovementBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedReceivablesFromCustomersMovementBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Forderungen an Kunden: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedReceivablesFromCustomersBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedReceivablesFromCustomersBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Forderungen an Kunden</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedReceivablesFromCustomersIndefiniteMaturityBreakdownBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedReceivablesFromCustomersIndefiniteMaturityBreakdownBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Forderungen mit unbegrenzter Laufzeit: Aufschlüsselung Laufzeit</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedReceivablesFromCreditInstitutionsConcentrationCollateralSpecificationBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedReceivablesFromCreditInstitutionsConcentrationCollateralSpecificationBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Konzentrationen von Forderungen an Kreditinstitute pro Sicherheit: Spezifikation</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedReceivablesFromCustomersConcentrationCollateralSpecificationBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedReceivablesFromCustomersConcentrationCollateralSpecificationBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Konzentrationen von Forderungen an Kreditinstitute pro Sicherheit: Spezifikation</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedReceivablesFromCreditInstitutionsConcentrationGeographicAreaSpecificationBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedReceivablesFromCreditInstitutionsConcentrationGeographicAreaSpecificationBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Konzentrationen von Forderungen an Kreditinstitute pro geografischer Region: Spezifikation</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedReceivablesFromCustomersConcentrationIndustrySpecificationBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedReceivablesFromCustomersConcentrationIndustrySpecificationBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Konzentrationen von Forderungen an Kunden pro Branche: Spezifikation</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedReceivablesFromCustomersConcentrationSectorSpecificationBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedReceivablesFromCustomersConcentrationSectorSpecificationBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Konzentrationen von Forderungen an Kunden pro Sektor: Spezifikation</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedReceivablesFromCustomersConcentrationGeographicAreaSpecificationBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedReceivablesFromCustomersConcentrationGeographicAreaSpecificationBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Konzentrationen von Forderungen an Kunden pro geografischer Region: Spezifikation</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedSubordinatedLiabilitiesSpecificationBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedSubordinatedLiabilitiesSpecificationBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Nachrangige Schulden: Spezifikation</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedSubordinatedLiabilitiesBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedSubordinatedLiabilitiesBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Nachrangige Schulden</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedDerivativeFinancialInstrumentsPositiveFairValueBreakdownBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedDerivativeFinancialInstrumentsPositiveFairValueBreakdownBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Positiver Zeitwert von derivativen Finanzinstrumenten: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-b_NotesDerivativeFinancialInstrumentsPositiveFairValueBreakdownBanks_label_de" xlink:label="kvk-lr-b_NotesDerivativeFinancialInstrumentsPositiveFairValueBreakdownBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Positiver Zeitwert von derivativen Finanzinstrumenten: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedPropertyPlantEquipmentBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedPropertyPlantEquipmentBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Sachanlagevermögen</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedPayablesCreditInstitutionsBreakdownMaturityPreviousBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedPayablesCreditInstitutionsBreakdownMaturityPreviousBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Schulden bei Kreditinstituten, vorangegangener Berichtszeitraum: Aufschlüsselung Laufzeit</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedPayablesCreditInstitutionsBreakdownMaturityBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedPayablesCreditInstitutionsBreakdownMaturityBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Schulden bei Kreditinstituten: Aufschlüsselung Laufzeit</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedPayablesCreditInstitutionsPayablesCreditInstitutionsOtherSpecificationBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedPayablesCreditInstitutionsPayablesCreditInstitutionsOtherSpecificationBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Schulden bei Kreditinstituten: Sonstige Verbindlichkeiten bei Kreditinstituten: Spezifikation</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedPayablesCreditInstitutionsBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedPayablesCreditInstitutionsBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Schulden bei Kreditinstituten</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedPayablesCustomersBreakdownMaturityPreviousBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedPayablesCustomersBreakdownMaturityPreviousBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Schulden bei Kunden, vorangegangener Berichtszeitraum: Aufschlüsselung Laufzeit</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedPayablesCustomersBreakdownMaturityBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedPayablesCustomersBreakdownMaturityBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Schulden bei Kunden: Aufschlüsselung Laufzeit</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedPayablesCustomersBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedPayablesCustomersBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Schulden bei Kunden</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedPayablesGroupCompaniesAndShareholdersParticipatingInterestsBreakdownPreviousBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedPayablesGroupCompaniesAndShareholdersParticipatingInterestsBreakdownPreviousBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Schulden gegenüber Konzerngesellschaften und Teilnahme an Beteiligungen, vorangegangener Berichtszeitraum: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedPayablesGroupCompaniesAndShareholdersParticipatingInterestsBreakdownBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedPayablesGroupCompaniesAndShareholdersParticipatingInterestsBreakdownBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Schulden gegenüber Konzerngesellschaften und Teilnahme an Beteiligungen: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedInvestmentsInParticipatingInterestsOtherMovementPreviousBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedInvestmentsInParticipatingInterestsOtherMovementPreviousBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Sonstige Beteiligungen, vorangegangener Berichtszeitraum: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedInvestmentsInParticipatingInterestsOtherMovementBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedInvestmentsInParticipatingInterestsOtherMovementBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Sonstige Beteiligungen: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedInvestmentsInParticipatingInterestsOtherBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedInvestmentsInParticipatingInterestsOtherBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Sonstige Beteiligungen</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedPayablesOtherBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedPayablesOtherBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Sonstige Schulden</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedIrrevocableCommitmentsBreakdownBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedIrrevocableCommitmentsBreakdownBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Unwiderrufliche Zusagen: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedIrrevocableCommitmentsBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedIrrevocableCommitmentsBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Unwiderrufliche Zusagen</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedInterestIncomeRelatedIncomeBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedInterestIncomeRelatedIncomeBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum Konzernabschluss - Zinserträge und ähnliche Erträge</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedDepreciationAmortisationAndChangesValuePropertyPlantEquipmentIntangibleAssetsBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedDepreciationAmortisationAndChangesValuePropertyPlantEquipmentIntangibleAssetsBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Abschreibungen und Wertveränderungen zu Lasten von immateriellem und Sachanlagevermögen</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedAccruedIncomeBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedAccruedIncomeBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Aktive Rechnungsabgrenzungsposten</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedGeneralAccountingPrinciplesBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedGeneralAccountingPrinciplesBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Allgemeine Grundlagen für die Berichterstattung</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedExtraordinaryExpensesBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedExtraordinaryExpensesBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Außergewöhnliche Aufwendungen</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedExtraordinaryIncomeBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedExtraordinaryIncomeBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Außergewöhnliche Erträge</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedInvestmentsInParticipatingInterestsInGroupCompaniesMovementPreviousBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedInvestmentsInParticipatingInterestsInGroupCompaniesMovementPreviousBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Beteiligungen an Konzerngesellschaften, vorangegangener Berichtszeitraum: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedInvestmentsInParticipatingInterestsInGroupCompaniesMovementBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedInvestmentsInParticipatingInterestsInGroupCompaniesMovementBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Beteiligungen an Konzerngesellschaften: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedDerivativeFinancialInstrumentsBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedDerivativeFinancialInstrumentsBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Derivative Finanzinstrumente</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedCapitalRatioBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedCapitalRatioBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Erläuterung der Kapitalquoten</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedIncomeFromSecuritiesAndInvestmentsInParticipatingInterestsOtherAmountsBreakdownBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedIncomeFromSecuritiesAndInvestmentsInParticipatingInterestsOtherAmountsBreakdownBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Erträge aus Wertpapieren und Beteiligungen: Sonstige Beträge: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedIncomeFromSecuritiesAndInvestmentsInParticipatingInterestsBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedIncomeFromSecuritiesAndInvestmentsInParticipatingInterestsBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Erträge aus Wertpapieren und Beteiligungen</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedGeneralBankingRisksReserveMovementPreviousBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedGeneralBankingRisksReserveMovementPreviousBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Fonds für allgemeine Bankrisiken, vorangegangener Berichtszeitraum: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedGeneralBankingRisksReserveMovementBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedGeneralBankingRisksReserveMovementBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Fonds für allgemeine Bankrisiken: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedGeneralBankingRisksReserveBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedGeneralBankingRisksReserveBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Fonds für allgemeine Bankrisiken</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedReceivablesFromCreditInstitutionsBreakdownMaturityPreviousBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedReceivablesFromCreditInstitutionsBreakdownMaturityPreviousBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Forderungen an Kreditinstitute, vorangegangener Berichtszeitraum: Aufschlüsselung Laufzeit</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedReceivablesFromCreditInstitutionsBreakdownMaturityBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedReceivablesFromCreditInstitutionsBreakdownMaturityBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Forderungen an Kreditinstitute: Aufschlüsselung Laufzeit</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedReceivablesFromCustomersBreakdownMaturityPreviousBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedReceivablesFromCustomersBreakdownMaturityPreviousBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Forderungen an Kunden, vorangegangener Berichtszeitraum: Aufschlüsselung Laufzeit</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedReceivablesFromCustomersBreakdownMaturityBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedReceivablesFromCustomersBreakdownMaturityBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Forderungen an Kunden: Aufschlüsselung Laufzeit</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedReceivablesFromBanksReceivablesFromBanksOtherSpecificationBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedReceivablesFromBanksReceivablesFromBanksOtherSpecificationBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Forderungen gegenüber Banken: Sonstige Forderungen Banken: Spezifikation</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedDecreaseInValueReleaseOfReceivablesAndProvisionsForOnBalanceSheetCommitmentsBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedDecreaseInValueReleaseOfReceivablesAndProvisionsForOnBalanceSheetCommitmentsBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Freigabe Wertminderungen von Forderungen und Rückstellungen für unter der Bilanz aufgenomme Verbindlichkeiten</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedDecreaseInValueReleaseOfNoncurrentSecuritiesInvestmentsParticipatingInterestsBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedDecreaseInValueReleaseOfNoncurrentSecuritiesInvestmentsParticipatingInterestsBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Freigabe von Wertminderungen von zum Anlagevermögen gehörenden Wertpapieren und Beteiligungen</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedAccountingPrinciplesAssetsLiabilitiesBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedAccountingPrinciplesAssetsLiabilitiesBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Grundlagen für die Bewertung von Aktiva und Passiva</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedAccountingPrinciplesResultBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedAccountingPrinciplesResultBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Grundlagen für die Ermittlung des Ergebnisses</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedAmountOfAssetsLiabilitiesInForeignCurrenciesBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedAmountOfAssetsLiabilitiesInForeignCurrenciesBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Höhe der Aktiva und Passiva in Fremdwährung</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedInvestmentsInParticipatingInterestsInGroupCompaniesBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedInvestmentsInParticipatingInterestsInGroupCompaniesBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Kapitalanlagen im Konzerngesellschaften</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedCapitalRatioBreakdownBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedCapitalRatioBreakdownBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Kapitalquoten: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedCashInHandBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedCashInHandBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Kassenbestand</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedCashInHandBreakdownBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedCashInHandBreakdownBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Kassenbestand</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedContingentLiabilitiesBreakdownBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedContingentLiabilitiesBreakdownBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Leistungszusagen: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedContingentLiabilitiesBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedContingentLiabilitiesBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Leistungszusagen</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedManagementMaintenanceAndServicesThirdPartiesBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedManagementMaintenanceAndServicesThirdPartiesBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Management und Mediation für Dritte</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedSubordinatedLiabilitiesBreakdownMaturityPreviousBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedSubordinatedLiabilitiesBreakdownMaturityPreviousBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Nachrangige Schulden, vorangegangener Berichtszeitraum: Aufschlüsselung Laufzeit</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedSubordinatedLiabilitiesBreakdownMaturityBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedSubordinatedLiabilitiesBreakdownMaturityBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Nachrangige Schulden: Aufschlüsselung Laufzeit</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedAccrualsAndDeferredIncomeBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedAccrualsAndDeferredIncomeBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Passive Rechnungsabgrenzungsposten</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedEmployeeBenefitsAndOtherAdministrativeExpensesBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedEmployeeBenefitsAndOtherAdministrativeExpensesBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Personal- und andere Verwaltungskosten</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedCommissionsPaidAndPayableBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedCommissionsPaidAndPayableBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Provisionsaufwendungen</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedCommissionsReceivedAndReceivableBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedCommissionsReceivedAndReceivableBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Provisionserträge</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedProvisionsBreakdownBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedProvisionsBreakdownBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Rückstellungen: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedProvisionsBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedProvisionsBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Rückstellungen</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedPropertyPlantEquipmentMovementPreviousBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedPropertyPlantEquipmentMovementPreviousBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Sachanlagevermögen, vorangegangener Berichtszeitraum: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedPropertyPlantEquipmentPropertyPlantEquipmentOtherMovementPreviousSpecificationBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedPropertyPlantEquipmentPropertyPlantEquipmentOtherMovementPreviousSpecificationBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Sachanlagevermögen: Sonstige Sachanlagen, vorangegangener Berichtszeitraum: Verlaufsübersicht: Spezifikation</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedPropertyPlantEquipmentPropertyPlantEquipmentOtherMovementSpecificationBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedPropertyPlantEquipmentPropertyPlantEquipmentOtherMovementSpecificationBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Sachanlagevermögen: Sonstige Sachanlagen: Verlaufsübersicht: Spezifikation</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedPropertyPlantEquipmentPropertyPlantEquipmentOtherSpecificationBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedPropertyPlantEquipmentPropertyPlantEquipmentOtherSpecificationBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Sachanlagevermögen: Sonstiges Sachanlagevermögen: Spezifikation</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedPropertyPlantEquipmentMovementBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedPropertyPlantEquipmentMovementBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Sachanlagevermögen: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedPropertyPlantEquipmentEconomicLifeBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedPropertyPlantEquipmentEconomicLifeBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Sachanlagevermögen: Wirtschaftliche Nutzungsdauer</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedPayablesCustomersPayablesCustomersPayablesCustomersOtherOtherSpecificationBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedPayablesCustomersPayablesCustomersPayablesCustomersOtherOtherSpecificationBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Schulden bei Kunden: Sonstige Arten von sonstigen Verbindlichkeiten bei Kunden: Spezifikation</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedPayablesCustomersPayablesCustomersDepositsOtherSpecificationBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedPayablesCustomersPayablesCustomersDepositsOtherSpecificationBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Schulden bei Kunden: Sonstige Verbindlichkeiten bei Kunden im Zusammenhang mit Einlagen: Spezifikation</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedDebtSecuritiesBreakdownMaturityPreviousBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedDebtSecuritiesBreakdownMaturityPreviousBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Schuldtitel, vorangegangener Berichtszeitraum: Aufschlüsselung Laufzeit</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedDebtSecuritiesBreakdownMaturityBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedDebtSecuritiesBreakdownMaturityBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Schuldtitel: Aufschlüsselung Laufzeit</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedDebtSecuritiesBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedDebtSecuritiesBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Schuldtitel</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesPublicOfferingBreakdownPreviousBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesPublicOfferingBreakdownPreviousBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Schuldverschreibungen und andere festverzinsliche Wertpapiere, Börsennotierung, vorangegangener Berichtszeitraum: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesPublicOfferingBreakdownBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesPublicOfferingBreakdownBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Schuldverschreibungen und andere festverzinsliche Wertpapiere, Börsennotierung: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesIssuerBreakdownPreviousBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesIssuerBreakdownPreviousBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Schuldverschreibungen und andere festverzinsliche Wertpapiere, Emittent, vorangegangener Berichtszeitraum: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesIssuerBreakdownBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesIssuerBreakdownBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Schuldverschreibungen und andere festverzinsliche Wertpapiere, Emittent: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesExigibilityBreakdownPreviousBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesExigibilityBreakdownPreviousBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Schuldverschreibungen und andere festverzinsliche Wertpapiere, Fälligkeit, vorangegangener Berichtszeitraum: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesExigibilityBreakdownBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesExigibilityBreakdownBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Schuldverschreibungen und andere festverzinsliche Wertpapiere, Fälligkeit: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesMovementPreviousBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesMovementPreviousBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Schuldverschreibungen und andere festverzinsliche Wertpapiere, vorangegangener Berichtszeitraum: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesMovementBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesMovementBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Schuldverschreibungen und andere festverzinsliche Wertpapiere: Verlaufsübersicht</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Schuldverschreibungen und andere festverzinsliche Wertpapiere</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedSegmentReportingSpecificationBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedSegmentReportingSpecificationBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Segmentierte Informationen: Spezifikation</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedAssetsOtherAssetsOtherSpecificationBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedAssetsOtherAssetsOtherSpecificationBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Sonstige Aktiva: Sonstige Aktiva: Spezifikation</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedAssetsOtherBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedAssetsOtherBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Sonstige Aktiva</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedOtherOperatingExpensesBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedOtherOperatingExpensesBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Sonstige Betriebskosten</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedDebtSecuritiesDebtSecuritiesOtherSpecificationBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedDebtSecuritiesDebtSecuritiesOtherSpecificationBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Sonstige Schuldtitel: Sonstige Schuldtitel: Spezifikation</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedPayablesOtherPayablesOtherSpecificationBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedPayablesOtherPayablesOtherSpecificationBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Sonstige Verbindlichkeiten: Sonstige Verbindlichkeiten: Spezifikation</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedGovernmentSecuritiesForCentralBankRefinancingBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedGovernmentSecuritiesForCentralBankRefinancingBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Staatsanleihe, refinanzierbar bei der Zentralbank</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedIncomeTaxExpenseExtraordinaryItemsBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedIncomeTaxExpenseExtraordinaryItemsBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Steuern (auf das) außerordentliche Ergebnis</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedIncomeTaxExpenseOrdinaryActivitiesBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedIncomeTaxExpenseOrdinaryActivitiesBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Steuern Ergebnis der gewöhnlichen Geschäftstätigkeit</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedAssetsNotAtTheDisposalBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedAssetsNotAtTheDisposalBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Vermögenswerte nicht frei verfügbar</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedCalledUpShareCapitalBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedCalledUpShareCapitalBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Von Anteilseignern beantragte Einzahlungen</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedDecreaseInValueOfReceivablesAndProvisionsForOnBalanceSheetCommitmentsBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedDecreaseInValueOfReceivablesAndProvisionsForOnBalanceSheetCommitmentsBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Wertminderungen von Forderungen und Rückstellungen für unter der Bilanz aufgenomme Verbindlichkeiten</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedDecreaseInValueOfNoncurrentSecuritiesInvestmentsParticipatingInterestsBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedDecreaseInValueOfNoncurrentSecuritiesInvestmentsParticipatingInterestsBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Wertminderungen von zum Anlagevermögen gehörenden Wertpapieren und Beteiligungen</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedSecuritiesBreakdownBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedSecuritiesBreakdownBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Wertpapiere: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedSecuritiesBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedSecuritiesBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Wertpapiere</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedInterestExpensesRelatedExpensesBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedInterestExpensesRelatedExpensesBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Zinsaufwendungen und ähnliche Kosten</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedDerivativeFinancialInstrumentsNotionalAmountBreakdownPreviousBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedDerivativeFinancialInstrumentsNotionalAmountBreakdownPreviousBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Zugrundeliegende Nominalwerte von derivativen Finanzinstrumenten, vorangegangener Berichtszeitraum: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedDerivativeFinancialInstrumentsNotionalAmountBreakdownBanks_label_de" xlink:label="kvk-lr-b_NotesConsolidatedDerivativeFinancialInstrumentsNotionalAmountBreakdownBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Erläuterung zum konsolidierten Jahresabschluss - Zugrundeliegende Nominalwerte von derivativen Finanzinstrumenten: Aufschlüsselung</label:label>
    <label:label id="kvk-lr-b_ReceivablesFromCreditInstitutionsBanks_label_de" xlink:label="kvk-lr-b_ReceivablesFromCreditInstitutionsBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Forderungen an Kreditinstitute</label:label>
    <label:label id="kvk-lr-b_ReceivablesFromCustomersBanks_label_de" xlink:label="kvk-lr-b_ReceivablesFromCustomersBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Forderungen an Kreditinstitute</label:label>
    <label:label id="kvk-lr-b_IncomeStatementBanks_label_de" xlink:label="kvk-lr-b_IncomeStatementBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Gewinn- und Verlustrechnung</label:label>
    <label:label id="kvk-lr-b_CashFlowStatementBanks_label_de" xlink:label="kvk-lr-b_CashFlowStatementBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Kapitalflussrechnung</label:label>
    <label:label id="kvk-lr-b_ClassesOfExigibilityOfBondsOtherFixedIncomeSecuritiesBanks_label_de" xlink:label="kvk-lr-b_ClassesOfExigibilityOfBondsOtherFixedIncomeSecuritiesBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Kategorien der Fälligkeit von Anleihen und anderen festverzinslichen (NL: "vastrendere") Wertpapieren</label:label>
    <label:label id="kvk-lr-b_ClassesOfMaturityBanks_label_de" xlink:label="kvk-lr-b_ClassesOfMaturityBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Kategorien der Laufzeit</label:label>
    <label:label id="kvk-lr-b_ClassesOfMaturityOtherBanks_label_de" xlink:label="kvk-lr-b_ClassesOfMaturityOtherBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Kategorien der Laufzeit</label:label>
    <label:label id="kvk-lr-b_ClassesOfIssuerOfBondsOtherFixedIncomeSecuritiesBanks_label_de" xlink:label="kvk-lr-b_ClassesOfIssuerOfBondsOtherFixedIncomeSecuritiesBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Kategorien des Emittenten von Anleihen und anderen festverzinslichen (NL: "vastrendere") Wertpapieren</label:label>
    <label:label id="kvk-lr-b_ClassesOfPublicOfferingOfBondsOtherFixedIncomeSecuritiesBanks_label_de" xlink:label="kvk-lr-b_ClassesOfPublicOfferingOfBondsOtherFixedIncomeSecuritiesBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Kategorien des Emittenten von Anleihen und anderen festverzinslichen (NL: "vastrendere") Wertpapieren</label:label>
    <label:label id="kvk-lr-b_ClassesOfPropertyPlantEquipmentBanks_label_de" xlink:label="kvk-lr-b_ClassesOfPropertyPlantEquipmentBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Kategorien des Sachanlagevermögens</label:label>
    <label:label id="kvk-lr-b_ClassesOfInvestmentsInParticipatingInterestsInGroupCompaniesBanks_label_de" xlink:label="kvk-lr-b_ClassesOfInvestmentsInParticipatingInterestsInGroupCompaniesBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Kategorien von Investitionen in Konzerngesellschaften</label:label>
    <label:label id="kvk-lr-b_ClassesOfPayablesParticipatingInterestsBanks_label_de" xlink:label="kvk-lr-b_ClassesOfPayablesParticipatingInterestsBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Kategorien von Schulden an Beteiligungen</label:label>
    <label:label id="kvk-lr-b_ClassesOfInvestmentsInParticipatingInterestsOtherBanks_label_de" xlink:label="kvk-lr-b_ClassesOfInvestmentsInParticipatingInterestsOtherBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Kategorien von sonstigen Beteiligungen</label:label>
    <label:label id="kvk-lr-b_ConsolidatedIncomeStatementBanks_label_de" xlink:label="kvk-lr-b_ConsolidatedIncomeStatementBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Konsolidierte Gewinn- und Verlustrechnung</label:label>
    <label:label id="kvk-lr-b_ConsolidatedCashFlowStatementBanks_label_de" xlink:label="kvk-lr-b_ConsolidatedCashFlowStatementBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Konsolidierte Kapitalflussrechnung</label:label>
    <label:label id="kvk-lr-b_ConsolidatedBalanceSheetBanks_label_de" xlink:label="kvk-lr-b_ConsolidatedBalanceSheetBanks_label_de" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="de">Konzernbilanz</label:label>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_BalanceSheetBanks" xlink:label="kvk-lr-b_BalanceSheetBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_CashFlowStatementBanks" xlink:label="kvk-lr-b_CashFlowStatementBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_ClassesOfExigibilityOfBondsOtherFixedIncomeSecuritiesBanks" xlink:label="kvk-lr-b_ClassesOfExigibilityOfBondsOtherFixedIncomeSecuritiesBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_ClassesOfInvestmentsInParticipatingInterestsInGroupCompaniesBanks" xlink:label="kvk-lr-b_ClassesOfInvestmentsInParticipatingInterestsInGroupCompaniesBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_ClassesOfInvestmentsInParticipatingInterestsOtherBanks" xlink:label="kvk-lr-b_ClassesOfInvestmentsInParticipatingInterestsOtherBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_ClassesOfIssuerOfBondsOtherFixedIncomeSecuritiesBanks" xlink:label="kvk-lr-b_ClassesOfIssuerOfBondsOtherFixedIncomeSecuritiesBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_ClassesOfMaturityBanks" xlink:label="kvk-lr-b_ClassesOfMaturityBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_ClassesOfMaturityOtherBanks" xlink:label="kvk-lr-b_ClassesOfMaturityOtherBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_ClassesOfPayablesParticipatingInterestsBanks" xlink:label="kvk-lr-b_ClassesOfPayablesParticipatingInterestsBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_ClassesOfPropertyPlantEquipmentBanks" xlink:label="kvk-lr-b_ClassesOfPropertyPlantEquipmentBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_ClassesOfPublicOfferingOfBondsOtherFixedIncomeSecuritiesBanks" xlink:label="kvk-lr-b_ClassesOfPublicOfferingOfBondsOtherFixedIncomeSecuritiesBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_ConsolidatedBalanceSheetBanks" xlink:label="kvk-lr-b_ConsolidatedBalanceSheetBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_ConsolidatedCashFlowStatementBanks" xlink:label="kvk-lr-b_ConsolidatedCashFlowStatementBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_ConsolidatedIncomeStatementBanks" xlink:label="kvk-lr-b_ConsolidatedIncomeStatementBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_DerivativeFinancialInstrumentsBanks" xlink:label="kvk-lr-b_DerivativeFinancialInstrumentsBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_IncomeStatementBanks" xlink:label="kvk-lr-b_IncomeStatementBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_NotesAccountingPrinciplesAssetsLiabilitiesBanks" xlink:label="kvk-lr-b_NotesAccountingPrinciplesAssetsLiabilitiesBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_NotesAccountingPrinciplesResultBanks" xlink:label="kvk-lr-b_NotesAccountingPrinciplesResultBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_NotesAccrualsAndDeferredIncomeBanks" xlink:label="kvk-lr-b_NotesAccrualsAndDeferredIncomeBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_NotesAccruedIncomeBanks" xlink:label="kvk-lr-b_NotesAccruedIncomeBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_NotesAmountOfAssetsLiabilitiesInForeignCurrenciesBanks" xlink:label="kvk-lr-b_NotesAmountOfAssetsLiabilitiesInForeignCurrenciesBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_NotesAssetsNotAtTheDisposalBanks" xlink:label="kvk-lr-b_NotesAssetsNotAtTheDisposalBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_NotesAssetsOtherAssetsOtherSpecificationBanks" xlink:label="kvk-lr-b_NotesAssetsOtherAssetsOtherSpecificationBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_NotesAssetsOtherBanks" xlink:label="kvk-lr-b_NotesAssetsOtherBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesBanks" xlink:label="kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesExigibilityBreakdownBanks" xlink:label="kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesExigibilityBreakdownBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesExigibilityBreakdownPreviousBanks" xlink:label="kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesExigibilityBreakdownPreviousBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesIssuerBreakdownBanks" xlink:label="kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesIssuerBreakdownBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesIssuerBreakdownPreviousBanks" xlink:label="kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesIssuerBreakdownPreviousBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesMovementBanks" xlink:label="kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesMovementBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesMovementPreviousBanks" xlink:label="kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesMovementPreviousBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesPublicOfferingBreakdownBanks" xlink:label="kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesPublicOfferingBreakdownBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesPublicOfferingBreakdownPreviousBanks" xlink:label="kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesPublicOfferingBreakdownPreviousBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_NotesCalledUpShareCapitalBanks" xlink:label="kvk-lr-b_NotesCalledUpShareCapitalBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_NotesCapitalRatioBanks" xlink:label="kvk-lr-b_NotesCapitalRatioBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_NotesCapitalRatioBreakdownBanks" xlink:label="kvk-lr-b_NotesCapitalRatioBreakdownBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_NotesCashInHandBanks" xlink:label="kvk-lr-b_NotesCashInHandBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_NotesCashInHandBreakdownBanks" xlink:label="kvk-lr-b_NotesCashInHandBreakdownBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_NotesCommissionsPaidAndPayableBanks" xlink:label="kvk-lr-b_NotesCommissionsPaidAndPayableBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_NotesCommissionsReceivedAndReceivableBanks" xlink:label="kvk-lr-b_NotesCommissionsReceivedAndReceivableBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_NotesConsolidatedAccountingPrinciplesAssetsLiabilitiesBanks" xlink:label="kvk-lr-b_NotesConsolidatedAccountingPrinciplesAssetsLiabilitiesBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_NotesConsolidatedAccountingPrinciplesResultBanks" xlink:label="kvk-lr-b_NotesConsolidatedAccountingPrinciplesResultBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_NotesConsolidatedAccrualsAndDeferredIncomeBanks" xlink:label="kvk-lr-b_NotesConsolidatedAccrualsAndDeferredIncomeBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_NotesConsolidatedAccruedIncomeBanks" xlink:label="kvk-lr-b_NotesConsolidatedAccruedIncomeBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_NotesConsolidatedAmountOfAssetsLiabilitiesInForeignCurrenciesBanks" xlink:label="kvk-lr-b_NotesConsolidatedAmountOfAssetsLiabilitiesInForeignCurrenciesBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_NotesConsolidatedAssetsNotAtTheDisposalBanks" xlink:label="kvk-lr-b_NotesConsolidatedAssetsNotAtTheDisposalBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_NotesConsolidatedAssetsOtherAssetsOtherSpecificationBanks" xlink:label="kvk-lr-b_NotesConsolidatedAssetsOtherAssetsOtherSpecificationBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_NotesConsolidatedAssetsOtherBanks" xlink:label="kvk-lr-b_NotesConsolidatedAssetsOtherBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesBanks" xlink:label="kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesExigibilityBreakdownBanks" xlink:label="kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesExigibilityBreakdownBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesExigibilityBreakdownPreviousBanks" xlink:label="kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesExigibilityBreakdownPreviousBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesIssuerBreakdownBanks" xlink:label="kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesIssuerBreakdownBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesIssuerBreakdownPreviousBanks" xlink:label="kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesIssuerBreakdownPreviousBanks_loc" xlink:type="locator"/>
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    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_NotesSubordinatedLiabilitiesBreakdownMaturityBanks" xlink:label="kvk-lr-b_NotesSubordinatedLiabilitiesBreakdownMaturityBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_NotesSubordinatedLiabilitiesBreakdownMaturityPreviousBanks" xlink:label="kvk-lr-b_NotesSubordinatedLiabilitiesBreakdownMaturityPreviousBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_NotesSubordinatedLiabilitiesSpecificationBanks" xlink:label="kvk-lr-b_NotesSubordinatedLiabilitiesSpecificationBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_ReceivablesFromCreditInstitutionsBanks" xlink:label="kvk-lr-b_ReceivablesFromCreditInstitutionsBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_ReceivablesFromCustomersBanks" xlink:label="kvk-lr-b_ReceivablesFromCustomersBanks_loc" xlink:type="locator"/>
  </gen:link>
</link:linkbase>
