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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_nl" 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_nl" 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_nl" 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_nl" 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_nl" 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_nl" 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_nl" 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_nl" xlink:type="arc"/>
    <label:label id="kvk-lr-b_DerivativeFinancialInstrumentsBanks_label_nl" xlink:label="kvk-lr-b_DerivativeFinancialInstrumentsBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Afgeleide financiële instrumenten</label:label>
    <label:label id="kvk-lr-b_BalanceSheetBanks_label_nl" xlink:label="kvk-lr-b_BalanceSheetBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Balans</label:label>
    <label:label id="kvk-lr-b_ClassesOfIssuerOfBondsOtherFixedIncomeSecuritiesBanks_label_nl" xlink:label="kvk-lr-b_ClassesOfIssuerOfBondsOtherFixedIncomeSecuritiesBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Categorieën van de emittent van obligaties en andere vastrendere waardepapieren</label:label>
    <label:label id="kvk-lr-b_ClassesOfPublicOfferingOfBondsOtherFixedIncomeSecuritiesBanks_label_nl" xlink:label="kvk-lr-b_ClassesOfPublicOfferingOfBondsOtherFixedIncomeSecuritiesBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Categorieën van de emittent van obligaties en andere vastrendere waardepapieren</label:label>
    <label:label id="kvk-lr-b_ClassesOfInvestmentsInParticipatingInterestsInGroupCompaniesBanks_label_nl" xlink:label="kvk-lr-b_ClassesOfInvestmentsInParticipatingInterestsInGroupCompaniesBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Categorieën van deelnemingen in groepsmaatschappijen</label:label>
    <label:label id="kvk-lr-b_ClassesOfMaturityBanks_label_nl" xlink:label="kvk-lr-b_ClassesOfMaturityBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Categorieën van looptijd</label:label>
    <label:label id="kvk-lr-b_ClassesOfMaturityOtherBanks_label_nl" xlink:label="kvk-lr-b_ClassesOfMaturityOtherBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Categorieën van looptijd</label:label>
    <label:label id="kvk-lr-b_ClassesOfPropertyPlantEquipmentBanks_label_nl" xlink:label="kvk-lr-b_ClassesOfPropertyPlantEquipmentBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Categorieën van materiële vaste activa</label:label>
    <label:label id="kvk-lr-b_ClassesOfExigibilityOfBondsOtherFixedIncomeSecuritiesBanks_label_nl" xlink:label="kvk-lr-b_ClassesOfExigibilityOfBondsOtherFixedIncomeSecuritiesBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Categorieën van opeisbaarheid van obligaties en andere vastrendere waardepapieren</label:label>
    <label:label id="kvk-lr-b_ClassesOfInvestmentsInParticipatingInterestsOtherBanks_label_nl" xlink:label="kvk-lr-b_ClassesOfInvestmentsInParticipatingInterestsOtherBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Categorieën van overige deelnemingen</label:label>
    <label:label id="kvk-lr-b_ClassesOfPayablesParticipatingInterestsBanks_label_nl" xlink:label="kvk-lr-b_ClassesOfPayablesParticipatingInterestsBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Categorieën van schulden aan deelnemingen</label:label>
    <label:label id="kvk-lr-b_ConsolidatedBalanceSheetBanks_label_nl" xlink:label="kvk-lr-b_ConsolidatedBalanceSheetBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Geconsolideerde balans</label:label>
    <label:label id="kvk-lr-b_ConsolidatedCashFlowStatementBanks_label_nl" xlink:label="kvk-lr-b_ConsolidatedCashFlowStatementBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Geconsolideerde kasstroomoverzicht</label:label>
    <label:label id="kvk-lr-b_ConsolidatedIncomeStatementBanks_label_nl" xlink:label="kvk-lr-b_ConsolidatedIncomeStatementBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Geconsolideerde winst-en-verliesrekening</label:label>
    <label:label id="kvk-lr-b_CashFlowStatementBanks_label_nl" xlink:label="kvk-lr-b_CashFlowStatementBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Kasstroomoverzicht</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedShareInResultsParticipatingInterestsBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedShareInResultsParticipatingInterestsBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Aandeel in resultaat deelnemingen</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedSharesOtherVariableYieldSecuritiesMovementPreviousBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedSharesOtherVariableYieldSecuritiesMovementPreviousBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Aandelen en andere niet-vastrentende waardepapieren, voorgaande periode: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedSharesOtherVariableYieldSecuritiesMovementBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedSharesOtherVariableYieldSecuritiesMovementBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Aandelen en andere niet-vastrentende waardepapieren: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedSharesOtherVariableYieldSecuritiesBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedSharesOtherVariableYieldSecuritiesBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Aandelen en andere niet-vastrentende waardepapieren</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedSubordinatedLiabilitiesBreakdownMaturityPreviousBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedSubordinatedLiabilitiesBreakdownMaturityPreviousBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Achtergestelde schulden, voorgaande periode: Uitsplitsing looptijd</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedSubordinatedLiabilitiesSpecificationBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedSubordinatedLiabilitiesSpecificationBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Achtergestelde schulden: Specificatie</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedSubordinatedLiabilitiesBreakdownMaturityBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedSubordinatedLiabilitiesBreakdownMaturityBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Achtergestelde schulden: Uitsplitsing looptijd</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedSubordinatedLiabilitiesBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedSubordinatedLiabilitiesBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Achtergestelde schulden</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedAssetsNotAtTheDisposalBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedAssetsNotAtTheDisposalBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Activa niet ter vrije beschikking</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedDerivativeFinancialInstrumentsBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedDerivativeFinancialInstrumentsBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Afgeleide financiële instrumenten</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedDepreciationAmortisationAndChangesValuePropertyPlantEquipmentIntangibleAssetsBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedDepreciationAmortisationAndChangesValuePropertyPlantEquipmentIntangibleAssetsBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Afschrijvingen en waardeveranderingen ten laste van immateriële en materiële vaste activa</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedGeneralAccountingPrinciplesBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedGeneralAccountingPrinciplesBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Algemene grondslagen voor verslaggeving</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedAmountOfAssetsLiabilitiesInForeignCurrenciesBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedAmountOfAssetsLiabilitiesInForeignCurrenciesBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Bedrag aan activa en passiva in vreemde geldeenheden</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedManagementMaintenanceAndServicesThirdPartiesBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedManagementMaintenanceAndServicesThirdPartiesBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Beheer en bemiddeling voor derden</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedIncomeTaxExpenseExtraordinaryItemsBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedIncomeTaxExpenseExtraordinaryItemsBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Belastingen buitengewoon resultaat</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedIncomeTaxExpenseOrdinaryActivitiesBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedIncomeTaxExpenseOrdinaryActivitiesBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Belastingen resultaat uit gewone bedrijfsuitoefening</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedCommissionsPaidAndPayableBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedCommissionsPaidAndPayableBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Betaalde provisie</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedExtraordinaryIncomeBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedExtraordinaryIncomeBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Buitengewone baten</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedExtraordinaryExpensesBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedExtraordinaryExpensesBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Buitengewone lasten</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedReceivablesFromCustomersConcentrationIndustrySpecificationBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedReceivablesFromCustomersConcentrationIndustrySpecificationBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Concentraties van vorderingen op klanten per bedrijfstak: Specificatie</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedReceivablesFromCustomersConcentrationGeographicAreaSpecificationBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedReceivablesFromCustomersConcentrationGeographicAreaSpecificationBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Concentraties van vorderingen op klanten per geografische regio: Specificatie</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedReceivablesFromCustomersConcentrationSectorSpecificationBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedReceivablesFromCustomersConcentrationSectorSpecificationBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Concentraties van vorderingen op klanten per sector: Specificatie</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedReceivablesFromCustomersConcentrationCollateralSpecificationBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedReceivablesFromCustomersConcentrationCollateralSpecificationBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Concentraties van vorderingen op klanten per zekerheid: Specificatie</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedReceivablesFromCreditInstitutionsConcentrationGeographicAreaSpecificationBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedReceivablesFromCreditInstitutionsConcentrationGeographicAreaSpecificationBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Concentraties van vorderingen op kredietinstellingen per geografische regio: Specificatie</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedReceivablesFromCreditInstitutionsConcentrationCollateralSpecificationBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedReceivablesFromCreditInstitutionsConcentrationCollateralSpecificationBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Concentraties van vorderingen op kredietinstellingen per zekerheid: Specificatie</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedInvestmentsInParticipatingInterestsInGroupCompaniesMovementPreviousBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedInvestmentsInParticipatingInterestsInGroupCompaniesMovementPreviousBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Deelnemingen in groepsmaatschappijen, voorgaande periode: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedInvestmentsInParticipatingInterestsInGroupCompaniesMovementBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedInvestmentsInParticipatingInterestsInGroupCompaniesMovementBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Deelnemingen in groepsmaatschappijen: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedInvestmentsInParticipatingInterestsInGroupCompaniesBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedInvestmentsInParticipatingInterestsInGroupCompaniesBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Deelnemingen in groepsmaatschappijen</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedSecuritiesBreakdownBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedSecuritiesBreakdownBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Effecten: Uitsplitsing</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedSecuritiesBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedSecuritiesBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Effecten</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedGeneralBankingRisksReserveMovementPreviousBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedGeneralBankingRisksReserveMovementPreviousBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Fonds algemene bankrisico's, voorgaande periode: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedGeneralBankingRisksReserveMovementBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedGeneralBankingRisksReserveMovementBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Fonds algemene bankrisico's: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedGeneralBankingRisksReserveBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedGeneralBankingRisksReserveBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Fonds algemene bankrisico's</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedSegmentReportingSpecificationBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedSegmentReportingSpecificationBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Gesegmenteerde informatie: Specificatie</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedAccountingPrinciplesResultBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedAccountingPrinciplesResultBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Grondslagen voor de bepaling van het resultaat</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedAccountingPrinciplesAssetsLiabilitiesBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedAccountingPrinciplesAssetsLiabilitiesBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Grondslagen voor de waardering van activa en passiva</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedCashInHandBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedCashInHandBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Kasmiddelen</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedCashInHandBreakdownBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedCashInHandBreakdownBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Kasmiddelen</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedPropertyPlantEquipmentMovementPreviousBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedPropertyPlantEquipmentMovementPreviousBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Materiële vaste activa, voorgaande periode: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedPropertyPlantEquipmentEconomicLifeBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedPropertyPlantEquipmentEconomicLifeBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Materiële vaste activa: Economische levensduur</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedPropertyPlantEquipmentPropertyPlantEquipmentOtherMovementPreviousSpecificationBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedPropertyPlantEquipmentPropertyPlantEquipmentOtherMovementPreviousSpecificationBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Materiële vaste activa: Overige materiële vaste activa, voorgaande periode: Verloopoverzicht: Specificatie</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedPropertyPlantEquipmentPropertyPlantEquipmentOtherSpecificationBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedPropertyPlantEquipmentPropertyPlantEquipmentOtherSpecificationBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Materiële vaste activa: Overige materiële vaste activa: Specificatie</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedPropertyPlantEquipmentPropertyPlantEquipmentOtherMovementSpecificationBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedPropertyPlantEquipmentPropertyPlantEquipmentOtherMovementSpecificationBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Materiële vaste activa: Overige materiële vaste activa: Verloopoverzicht: Specificatie</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedPropertyPlantEquipmentMovementBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedPropertyPlantEquipmentMovementBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Materiële vaste activa: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedPropertyPlantEquipmentBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedPropertyPlantEquipmentBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Materiële vaste activa</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesPublicOfferingBreakdownPreviousBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesPublicOfferingBreakdownPreviousBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Obligaties en andere vastrentende waardepapieren, beursnotering, voorgaande periode: Uitsplitsing</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesPublicOfferingBreakdownBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesPublicOfferingBreakdownBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Obligaties en andere vastrentende waardepapieren, beursnotering: Uitsplitsing</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesIssuerBreakdownPreviousBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesIssuerBreakdownPreviousBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Obligaties en andere vastrentende waardepapieren, emittent, voorgaande periode: Uitsplitsing</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesIssuerBreakdownBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesIssuerBreakdownBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Obligaties en andere vastrentende waardepapieren, emittent: Uitsplitsing</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesExigibilityBreakdownPreviousBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesExigibilityBreakdownPreviousBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Obligaties en andere vastrentende waardepapieren, opeisbaarheid, voorgaande periode: Uitsplitsing</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesExigibilityBreakdownBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesExigibilityBreakdownBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Obligaties en andere vastrentende waardepapieren, opeisbaarheid: Uitsplitsing</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesMovementPreviousBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesMovementPreviousBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Obligaties en andere vastrentende waardepapieren, voorgaande periode: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesMovementBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesMovementBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Obligaties en andere vastrentende waardepapieren: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Obligaties en andere vastrentende waardepapieren</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedDerivativeFinancialInstrumentsNotionalAmountBreakdownPreviousBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedDerivativeFinancialInstrumentsNotionalAmountBreakdownPreviousBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Onderliggende nominale waarde van afgeleide financiële instrumenten, voorgaande periode: Uitsplitsing</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedDerivativeFinancialInstrumentsNotionalAmountBreakdownBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedDerivativeFinancialInstrumentsNotionalAmountBreakdownBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Onderliggende nominale waarde van afgeleide financiële instrumenten: Uitsplitsing</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedIrrevocableCommitmentsBreakdownBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedIrrevocableCommitmentsBreakdownBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Onherroepelijke toezeggingen: Uitsplitsing</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedIrrevocableCommitmentsBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedIrrevocableCommitmentsBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Onherroepelijke toezeggingen</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedCommissionsReceivedAndReceivableBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedCommissionsReceivedAndReceivableBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Ontvangen provisie</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedIncomeFromSecuritiesAndInvestmentsInParticipatingInterestsOtherAmountsBreakdownBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedIncomeFromSecuritiesAndInvestmentsInParticipatingInterestsOtherAmountsBreakdownBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Opbrengsten uit effecten en deelnemingen: Overige bedragen: Uitsplitsing</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedIncomeFromSecuritiesAndInvestmentsInParticipatingInterestsBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedIncomeFromSecuritiesAndInvestmentsInParticipatingInterestsBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Opbrengsten uit effecten en deelnemingen</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedGovernmentSecuritiesForCentralBankRefinancingBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedGovernmentSecuritiesForCentralBankRefinancingBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Overheidspapier herfinancierbaar bij de centrale bank</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedAssetsOtherAssetsOtherSpecificationBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedAssetsOtherAssetsOtherSpecificationBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Overige activa: Overige activa: Specificatie</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedAssetsOtherBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedAssetsOtherBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Overige activa</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedOtherOperatingExpensesBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedOtherOperatingExpensesBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Overige bedrijfskosten</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedInvestmentsInParticipatingInterestsOtherMovementPreviousBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedInvestmentsInParticipatingInterestsOtherMovementPreviousBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Overige deelnemingen, voorgaande periode: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedInvestmentsInParticipatingInterestsOtherMovementBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedInvestmentsInParticipatingInterestsOtherMovementBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Overige deelnemingen: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedInvestmentsInParticipatingInterestsOtherBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedInvestmentsInParticipatingInterestsOtherBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Overige deelnemingen</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedDebtSecuritiesDebtSecuritiesOtherSpecificationBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedDebtSecuritiesDebtSecuritiesOtherSpecificationBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Overige schuldbewijzen: Overige schuldbewijzen: Specificatie</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedPayablesOtherPayablesOtherSpecificationBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedPayablesOtherPayablesOtherSpecificationBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Overige schulden: Overige schulden: Specificatie</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedPayablesOtherBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedPayablesOtherBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Overige schulden</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedAccruedIncomeBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedAccruedIncomeBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Overlopende activa</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedAccrualsAndDeferredIncomeBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedAccrualsAndDeferredIncomeBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Overlopende passiva</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedEmployeeBenefitsAndOtherAdministrativeExpensesBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedEmployeeBenefitsAndOtherAdministrativeExpensesBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Personeels- en andere beheerskosten</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedDerivativeFinancialInstrumentsPositiveFairValueBreakdownBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedDerivativeFinancialInstrumentsPositiveFairValueBreakdownBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Positieve reële waarde van afgeleide financiële instrumenten: Uitsplitsing</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedInterestIncomeRelatedIncomeBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedInterestIncomeRelatedIncomeBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Rentebaten en soortgelijke opbrengsten</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedInterestExpensesRelatedExpensesBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedInterestExpensesRelatedExpensesBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Rentelasten en soortgelijke kosten</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedResultFromFinancialTransactionsBreakdownBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedResultFromFinancialTransactionsBreakdownBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Resultaat uit financiële transacties: Uitsplitsing</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedResultFromFinancialTransactionsBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedResultFromFinancialTransactionsBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Resultaat uit financiële transacties</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedDebtSecuritiesBreakdownMaturityPreviousBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedDebtSecuritiesBreakdownMaturityPreviousBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Schuldbewijzen, voorgaande periode: Uitsplitsing looptijd</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedDebtSecuritiesBreakdownMaturityBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedDebtSecuritiesBreakdownMaturityBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Schuldbewijzen: Uitsplitsing looptijd</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedDebtSecuritiesBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedDebtSecuritiesBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Schuldbewijzen</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedPayablesGroupCompaniesAndShareholdersParticipatingInterestsBreakdownPreviousBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedPayablesGroupCompaniesAndShareholdersParticipatingInterestsBreakdownPreviousBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Schulden aan groepsmaatschappijen en participanten in deelnemingen, voorgaande periode: Uitsplitsing</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedPayablesGroupCompaniesAndShareholdersParticipatingInterestsBreakdownBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedPayablesGroupCompaniesAndShareholdersParticipatingInterestsBreakdownBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Schulden aan groepsmaatschappijen en participanten in deelnemingen: Uitsplitsing</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedPayablesCustomersBreakdownMaturityPreviousBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedPayablesCustomersBreakdownMaturityPreviousBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Schulden aan klanten, voorgaande periode: Uitsplitsing looptijd</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedPayablesCustomersPayablesCustomersPayablesCustomersOtherOtherSpecificationBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedPayablesCustomersPayablesCustomersPayablesCustomersOtherOtherSpecificationBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Schulden aan klanten: Overige andere schulden aan klanten: Specificatie</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedPayablesCustomersPayablesCustomersDepositsOtherSpecificationBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedPayablesCustomersPayablesCustomersDepositsOtherSpecificationBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Schulden aan klanten: Overige schulden aan klanten uit hoofde van spaargelden: Specificatie</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedPayablesCustomersBreakdownMaturityBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedPayablesCustomersBreakdownMaturityBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Schulden aan klanten: Uitsplitsing looptijd</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedPayablesCustomersBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedPayablesCustomersBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Schulden aan klanten</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedPayablesCreditInstitutionsBreakdownMaturityPreviousBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedPayablesCreditInstitutionsBreakdownMaturityPreviousBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Schulden aan kredietinstellingen, voorgaande periode: Uitsplitsing looptijd</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedPayablesCreditInstitutionsPayablesCreditInstitutionsOtherSpecificationBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedPayablesCreditInstitutionsPayablesCreditInstitutionsOtherSpecificationBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Schulden aan kredietinstellingen: Overige schulden aan kredietinstellingen: Specificatie</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedPayablesCreditInstitutionsBreakdownMaturityBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedPayablesCreditInstitutionsBreakdownMaturityBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Schulden aan kredietinstellingen: Uitsplitsing looptijd</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedPayablesCreditInstitutionsBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedPayablesCreditInstitutionsBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Schulden aan kredietinstellingen</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedCapitalRatioBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedCapitalRatioBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Toelichting op vermogensratio's</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedCalledUpShareCapitalBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedCalledUpShareCapitalBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Van aandeelhouders opgevraagde stortingen</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedCapitalRatioBreakdownBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedCapitalRatioBreakdownBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Vermogensratio's: Uitsplitsing</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedContingentLiabilitiesBreakdownBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedContingentLiabilitiesBreakdownBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Voorwaardelijke schulden: Uitsplitsing</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedContingentLiabilitiesBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedContingentLiabilitiesBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Voorwaardelijke schulden</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedProvisionsBreakdownBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedProvisionsBreakdownBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Voorzieningen: Uitsplitsing</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedProvisionsBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedProvisionsBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Voorzieningen</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedReceivablesFromCustomersIndefiniteMaturityBreakdownBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedReceivablesFromCustomersIndefiniteMaturityBreakdownBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Vorderingen met onbepaalde looptijd op consumenten: Uitsplitsing looptijd</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedReceivablesFromCreditInstitutionsIndefiniteMaturityBreakdownBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedReceivablesFromCreditInstitutionsIndefiniteMaturityBreakdownBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Vorderingen met onbepaalde looptijd op kredietinstellingen: Uitsplitsing looptijd</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedReceivablesFromBanksReceivablesFromBanksOtherSpecificationBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedReceivablesFromBanksReceivablesFromBanksOtherSpecificationBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Vorderingen op banken: Overige vorderingen op banken: Specificatie</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedReceivablesFromCustomersBreakdownMaturityPreviousBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedReceivablesFromCustomersBreakdownMaturityPreviousBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Vorderingen op klanten, voorgaande periode: Uitsplitsing looptijd</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedReceivablesFromCustomersMovementPreviousBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedReceivablesFromCustomersMovementPreviousBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Vorderingen op klanten, voorgaande periode: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedReceivablesFromCustomersBreakdownMaturityBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedReceivablesFromCustomersBreakdownMaturityBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Vorderingen op klanten: Uitsplitsing looptijd</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedReceivablesFromCustomersMovementBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedReceivablesFromCustomersMovementBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Vorderingen op klanten: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedReceivablesFromCustomersBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedReceivablesFromCustomersBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Vorderingen op klanten</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedReceivablesFromCreditInstitutionsBreakdownMaturityPreviousBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedReceivablesFromCreditInstitutionsBreakdownMaturityPreviousBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Vorderingen op kredietinstellingen, voorgaande periode: Uitsplitsing looptijd</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedReceivablesFromCreditInstitutionsMovementPreviousBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedReceivablesFromCreditInstitutionsMovementPreviousBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Vorderingen op kredietinstellingen, voorgaande periode: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedReceivablesFromCreditInstitutionsBreakdownMaturityBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedReceivablesFromCreditInstitutionsBreakdownMaturityBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Vorderingen op kredietinstellingen: Uitsplitsing looptijd</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedReceivablesFromCreditInstitutionsMovementBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedReceivablesFromCreditInstitutionsMovementBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Vorderingen op kredietinstellingen: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedReceivablesFromCreditInstitutionsBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedReceivablesFromCreditInstitutionsBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Vorderingen op kredietinstellingen</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedDecreaseInValueReleaseOfNoncurrentSecuritiesInvestmentsParticipatingInterestsBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedDecreaseInValueReleaseOfNoncurrentSecuritiesInvestmentsParticipatingInterestsBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Vrijval van waardeverminderingen van de tot de vaste activa behorende effecten en deelnemingen</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedDecreaseInValueReleaseOfReceivablesAndProvisionsForOnBalanceSheetCommitmentsBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedDecreaseInValueReleaseOfReceivablesAndProvisionsForOnBalanceSheetCommitmentsBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Vrijval waardeverminderingen van vorderingen en voorzieningen voor onder de balans opgenomen verplichtingen</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedDecreaseInValueOfNoncurrentSecuritiesInvestmentsParticipatingInterestsBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedDecreaseInValueOfNoncurrentSecuritiesInvestmentsParticipatingInterestsBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Waardeverminderingen van de tot de vaste activa behorende effecten en deelnemingen</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedDecreaseInValueOfReceivablesAndProvisionsForOnBalanceSheetCommitmentsBanks_label_nl" xlink:label="kvk-lr-b_NotesConsolidatedDecreaseInValueOfReceivablesAndProvisionsForOnBalanceSheetCommitmentsBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Waardeverminderingen van vorderingen en voorzieningen voor onder de balans opgenomen verplichtingen</label:label>
    <label:label id="kvk-lr-b_NotesSharesOtherVariableYieldSecuritiesMovementPreviousBanks_label_nl" xlink:label="kvk-lr-b_NotesSharesOtherVariableYieldSecuritiesMovementPreviousBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Aandelen en andere niet-vastrentende waardepapieren, voorgaande periode: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-b_NotesSharesOtherVariableYieldSecuritiesMovementBanks_label_nl" xlink:label="kvk-lr-b_NotesSharesOtherVariableYieldSecuritiesMovementBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Aandelen en andere niet-vastrentende waardepapieren: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-b_NotesSharesOtherVariableYieldSecuritiesBanks_label_nl" xlink:label="kvk-lr-b_NotesSharesOtherVariableYieldSecuritiesBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Aandelen en andere niet-vastrentende waardepapieren</label:label>
    <label:label id="kvk-lr-b_NotesSubordinatedLiabilitiesBreakdownMaturityPreviousBanks_label_nl" xlink:label="kvk-lr-b_NotesSubordinatedLiabilitiesBreakdownMaturityPreviousBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Achtergestelde schulden, voorgaande periode: Uitsplitsing looptijd</label:label>
    <label:label id="kvk-lr-b_NotesSubordinatedLiabilitiesSpecificationBanks_label_nl" xlink:label="kvk-lr-b_NotesSubordinatedLiabilitiesSpecificationBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Achtergestelde schulden: Specificatie</label:label>
    <label:label id="kvk-lr-b_NotesSubordinatedLiabilitiesBreakdownMaturityBanks_label_nl" xlink:label="kvk-lr-b_NotesSubordinatedLiabilitiesBreakdownMaturityBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Achtergestelde schulden: Uitsplitsing looptijd</label:label>
    <label:label id="kvk-lr-b_NotesSubordinatedLiabilitiesBanks_label_nl" xlink:label="kvk-lr-b_NotesSubordinatedLiabilitiesBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Achtergestelde schulden</label:label>
    <label:label id="kvk-lr-b_NotesAssetsNotAtTheDisposalBanks_label_nl" xlink:label="kvk-lr-b_NotesAssetsNotAtTheDisposalBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Activa niet ter vrije beschikking</label:label>
    <label:label id="kvk-lr-b_NotesDerivativeFinancialInstrumentsBanks_label_nl" xlink:label="kvk-lr-b_NotesDerivativeFinancialInstrumentsBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Afgeleide financiële instrumenten</label:label>
    <label:label id="kvk-lr-b_NotesDepreciationAmortisationAndChangesValuePropertyPlantEquipmentIntangibleAssetsBanks_label_nl" xlink:label="kvk-lr-b_NotesDepreciationAmortisationAndChangesValuePropertyPlantEquipmentIntangibleAssetsBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Afschrijvingen en waardeveranderingen ten laste van immateriële en materiële vaste activa</label:label>
    <label:label id="kvk-lr-b_NotesGeneralAccountingPrinciplesBanks_label_nl" xlink:label="kvk-lr-b_NotesGeneralAccountingPrinciplesBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Algemene grondslagen voor verslaggeving</label:label>
    <label:label id="kvk-lr-b_NotesAmountOfAssetsLiabilitiesInForeignCurrenciesBanks_label_nl" xlink:label="kvk-lr-b_NotesAmountOfAssetsLiabilitiesInForeignCurrenciesBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Bedrag aan activa en passiva in vreemde geldeenheden</label:label>
    <label:label id="kvk-lr-b_NotesManagementMaintenanceAndServicesThirdPartiesBanks_label_nl" xlink:label="kvk-lr-b_NotesManagementMaintenanceAndServicesThirdPartiesBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Beheer en bemiddeling voor derden</label:label>
    <label:label id="kvk-lr-b_NotesIncomeTaxExpenseExtraordinaryItemsBanks_label_nl" xlink:label="kvk-lr-b_NotesIncomeTaxExpenseExtraordinaryItemsBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Belastingen buitengewoon resultaat</label:label>
    <label:label id="kvk-lr-b_NotesIncomeTaxExpenseOrdinaryActivitiesBanks_label_nl" xlink:label="kvk-lr-b_NotesIncomeTaxExpenseOrdinaryActivitiesBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Belastingen resultaat uit gewone bedrijfsuitoefening</label:label>
    <label:label id="kvk-lr-b_NotesCommissionsPaidAndPayableBanks_label_nl" xlink:label="kvk-lr-b_NotesCommissionsPaidAndPayableBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Betaalde provisie</label:label>
    <label:label id="kvk-lr-b_NotesExtraordinaryIncomeBanks_label_nl" xlink:label="kvk-lr-b_NotesExtraordinaryIncomeBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Buitengewone baten</label:label>
    <label:label id="kvk-lr-b_NotesExtraordinaryExpensesBanks_label_nl" xlink:label="kvk-lr-b_NotesExtraordinaryExpensesBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Buitengewone lasten</label:label>
    <label:label id="kvk-lr-b_NotesReceivablesFromCustomersConcentrationIndustrySpecificationBanks_label_nl" xlink:label="kvk-lr-b_NotesReceivablesFromCustomersConcentrationIndustrySpecificationBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Concentraties van vorderingen op klanten per bedrijfstak: Specificatie</label:label>
    <label:label id="kvk-lr-b_NotesReceivablesFromCustomersConcentrationGeographicAreaSpecificationBanks_label_nl" xlink:label="kvk-lr-b_NotesReceivablesFromCustomersConcentrationGeographicAreaSpecificationBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Concentraties van vorderingen op klanten per geografische regio: Specificatie</label:label>
    <label:label id="kvk-lr-b_NotesReceivablesFromCustomersConcentrationSectorSpecificationBanks_label_nl" xlink:label="kvk-lr-b_NotesReceivablesFromCustomersConcentrationSectorSpecificationBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Concentraties van vorderingen op klanten per sector: Specificatie</label:label>
    <label:label id="kvk-lr-b_NotesReceivablesFromCustomersConcentrationCollateralSpecificationBanks_label_nl" xlink:label="kvk-lr-b_NotesReceivablesFromCustomersConcentrationCollateralSpecificationBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Concentraties van vorderingen op klanten per zekerheid: Specificatie</label:label>
    <label:label id="kvk-lr-b_NotesReceivablesFromCreditInstitutionsConcentrationGeographicAreaSpecificationBanks_label_nl" xlink:label="kvk-lr-b_NotesReceivablesFromCreditInstitutionsConcentrationGeographicAreaSpecificationBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Concentraties van vorderingen op kredietinstellingen per geografische regio: Specificatie</label:label>
    <label:label id="kvk-lr-b_NotesReceivablesFromCreditInstitutionsConcentrationCollateralSpecificationBanks_label_nl" xlink:label="kvk-lr-b_NotesReceivablesFromCreditInstitutionsConcentrationCollateralSpecificationBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Concentraties van vorderingen op kredietinstellingen per zekerheid: Specificatie</label:label>
    <label:label id="kvk-lr-b_NotesInvestmentsInParticipatingInterestsInGroupCompaniesMovementPreviousBanks_label_nl" xlink:label="kvk-lr-b_NotesInvestmentsInParticipatingInterestsInGroupCompaniesMovementPreviousBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Deelnemingen in groepsmaatschappijen, voorgaande periode: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-b_NotesInvestmentsInParticipatingInterestsInGroupCompaniesMovementBanks_label_nl" xlink:label="kvk-lr-b_NotesInvestmentsInParticipatingInterestsInGroupCompaniesMovementBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Deelnemingen in groepsmaatschappijen: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-b_NotesInvestmentsInParticipatingInterestsInGroupCompaniesBanks_label_nl" xlink:label="kvk-lr-b_NotesInvestmentsInParticipatingInterestsInGroupCompaniesBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Deelnemingen in groepsmaatschappijen</label:label>
    <label:label id="kvk-lr-b_NotesSecuritiesBreakdownBanks_label_nl" xlink:label="kvk-lr-b_NotesSecuritiesBreakdownBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Effecten: Uitsplitsing</label:label>
    <label:label id="kvk-lr-b_NotesSecuritiesBanks_label_nl" xlink:label="kvk-lr-b_NotesSecuritiesBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Effecten</label:label>
    <label:label id="kvk-lr-b_NotesGeneralBankingRisksReserveMovementPreviousBanks_label_nl" xlink:label="kvk-lr-b_NotesGeneralBankingRisksReserveMovementPreviousBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Fonds algemene bankrisico's, voorgaande periode: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-b_NotesGeneralBankingRisksReserveMovementBanks_label_nl" xlink:label="kvk-lr-b_NotesGeneralBankingRisksReserveMovementBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Fonds algemene bankrisico's: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-b_NotesGeneralBankingRisksReserveBanks_label_nl" xlink:label="kvk-lr-b_NotesGeneralBankingRisksReserveBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Fonds algemene bankrisico's</label:label>
    <label:label id="kvk-lr-b_NotesSegmentReportingSpecificationBanks_label_nl" xlink:label="kvk-lr-b_NotesSegmentReportingSpecificationBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Gesegmenteerde informatie: Specificatie</label:label>
    <label:label id="kvk-lr-b_NotesAccountingPrinciplesResultBanks_label_nl" xlink:label="kvk-lr-b_NotesAccountingPrinciplesResultBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Grondslagen voor de bepaling van het resultaat</label:label>
    <label:label id="kvk-lr-b_NotesAccountingPrinciplesAssetsLiabilitiesBanks_label_nl" xlink:label="kvk-lr-b_NotesAccountingPrinciplesAssetsLiabilitiesBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Grondslagen voor de waardering van activa en passiva</label:label>
    <label:label id="kvk-lr-b_NotesCashInHandBreakdownBanks_label_nl" xlink:label="kvk-lr-b_NotesCashInHandBreakdownBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Kasmiddelen: Uitsplitsing</label:label>
    <label:label id="kvk-lr-b_NotesCashInHandBanks_label_nl" xlink:label="kvk-lr-b_NotesCashInHandBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Kasmiddelen</label:label>
    <label:label id="kvk-lr-b_NotesPropertyPlantEquipmentMovementPreviousBanks_label_nl" xlink:label="kvk-lr-b_NotesPropertyPlantEquipmentMovementPreviousBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Materiële vaste activa, voorgaande periode: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-b_NotesPropertyPlantEquipmentEconomicLifeBanks_label_nl" xlink:label="kvk-lr-b_NotesPropertyPlantEquipmentEconomicLifeBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Materiële vaste activa: Economische levensduur</label:label>
    <label:label id="kvk-lr-b_NotesPropertyPlantEquipmentPropertyPlantEquipmentOtherMovementPreviousSpecificationBanks_label_nl" xlink:label="kvk-lr-b_NotesPropertyPlantEquipmentPropertyPlantEquipmentOtherMovementPreviousSpecificationBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Materiële vaste activa: Overige materiële vaste activa, voorgaande periode: Verloopoverzicht: Specificatie</label:label>
    <label:label id="kvk-lr-b_NotesPropertyPlantEquipmentPropertyPlantEquipmentOtherSpecificationBanks_label_nl" xlink:label="kvk-lr-b_NotesPropertyPlantEquipmentPropertyPlantEquipmentOtherSpecificationBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Materiële vaste activa: Overige materiële vaste activa: Specificatie</label:label>
    <label:label id="kvk-lr-b_NotesPropertyPlantEquipmentPropertyPlantEquipmentOtherMovementSpecificationBanks_label_nl" xlink:label="kvk-lr-b_NotesPropertyPlantEquipmentPropertyPlantEquipmentOtherMovementSpecificationBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Materiële vaste activa: Overige materiële vaste activa: Verloopoverzicht: Specificatie</label:label>
    <label:label id="kvk-lr-b_NotesPropertyPlantEquipmentMovementBanks_label_nl" xlink:label="kvk-lr-b_NotesPropertyPlantEquipmentMovementBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Materiële vaste activa: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-b_NotesPropertyPlantEquipmentBanks_label_nl" xlink:label="kvk-lr-b_NotesPropertyPlantEquipmentBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Materiële vaste activa</label:label>
    <label:label id="kvk-lr-b_NotesRetainedEarningsBanks_label_nl" xlink:label="kvk-lr-b_NotesRetainedEarningsBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Niet verdeelde winsten</label:label>
    <label:label id="kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesPublicOfferingBreakdownPreviousBanks_label_nl" xlink:label="kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesPublicOfferingBreakdownPreviousBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Obligaties en andere vastrentende waardepapieren, beursnotering, voorgaande periode: Uitsplitsing</label:label>
    <label:label id="kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesPublicOfferingBreakdownBanks_label_nl" xlink:label="kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesPublicOfferingBreakdownBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Obligaties en andere vastrentende waardepapieren, beursnotering: Uitsplitsing</label:label>
    <label:label id="kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesIssuerBreakdownPreviousBanks_label_nl" xlink:label="kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesIssuerBreakdownPreviousBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Obligaties en andere vastrentende waardepapieren, emittent, voorgaande periode: Uitsplitsing</label:label>
    <label:label id="kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesIssuerBreakdownBanks_label_nl" xlink:label="kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesIssuerBreakdownBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Obligaties en andere vastrentende waardepapieren, emittent: Uitsplitsing</label:label>
    <label:label id="kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesExigibilityBreakdownPreviousBanks_label_nl" xlink:label="kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesExigibilityBreakdownPreviousBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Obligaties en andere vastrentende waardepapieren, opeisbaarheid, voorgaande periode: Uitsplitsing</label:label>
    <label:label id="kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesExigibilityBreakdownBanks_label_nl" xlink:label="kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesExigibilityBreakdownBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Obligaties en andere vastrentende waardepapieren, opeisbaarheid: Uitsplitsing</label:label>
    <label:label id="kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesMovementPreviousBanks_label_nl" xlink:label="kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesMovementPreviousBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Obligaties en andere vastrentende waardepapieren, voorgaande periode: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesMovementBanks_label_nl" xlink:label="kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesMovementBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Obligaties en andere vastrentende waardepapieren: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesBanks_label_nl" xlink:label="kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Obligaties en andere vastrentende waardepapieren</label:label>
    <label:label id="kvk-lr-b_NotesDerivativeFinancialInstrumentsNotionalAmountBreakdownPreviousBanks_label_nl" xlink:label="kvk-lr-b_NotesDerivativeFinancialInstrumentsNotionalAmountBreakdownPreviousBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Onderliggende nominale waarde van afgeleide financiële instrumenten, voorgaande periode: Uitsplitsing</label:label>
    <label:label id="kvk-lr-b_NotesDerivativeFinancialInstrumentsNotionalAmountBreakdownBanks_label_nl" xlink:label="kvk-lr-b_NotesDerivativeFinancialInstrumentsNotionalAmountBreakdownBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Onderliggende nominale waarde van afgeleide financiële instrumenten: Uitsplitsing</label:label>
    <label:label id="kvk-lr-b_NotesIrrevocableCommitmentsBreakdownBanks_label_nl" xlink:label="kvk-lr-b_NotesIrrevocableCommitmentsBreakdownBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Onherroepelijke toezeggingen: Uitsplitsing</label:label>
    <label:label id="kvk-lr-b_NotesIrrevocableCommitmentsBanks_label_nl" xlink:label="kvk-lr-b_NotesIrrevocableCommitmentsBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Onherroepelijke toezeggingen</label:label>
    <label:label id="kvk-lr-b_NotesCommissionsReceivedAndReceivableBanks_label_nl" xlink:label="kvk-lr-b_NotesCommissionsReceivedAndReceivableBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Ontvangen provisie</label:label>
    <label:label id="kvk-lr-b_NotesIncomeFromSecuritiesAndInvestmentsInParticipatingInterestsOtherAmountsBreakdownBanks_label_nl" xlink:label="kvk-lr-b_NotesIncomeFromSecuritiesAndInvestmentsInParticipatingInterestsOtherAmountsBreakdownBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Opbrengsten uit effecten en deelnemingen: Overige bedragen: Uitsplitsing</label:label>
    <label:label id="kvk-lr-b_NotesIncomeFromSecuritiesAndInvestmentsInParticipatingInterestsBanks_label_nl" xlink:label="kvk-lr-b_NotesIncomeFromSecuritiesAndInvestmentsInParticipatingInterestsBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Opbrengsten uit effecten en deelnemingen</label:label>
    <label:label id="kvk-lr-b_NotesGovernmentSecuritiesForCentralBankRefinancingBanks_label_nl" xlink:label="kvk-lr-b_NotesGovernmentSecuritiesForCentralBankRefinancingBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Overheidspapier herfinancierbaar bij de centrale bank</label:label>
    <label:label id="kvk-lr-b_NotesAssetsOtherAssetsOtherSpecificationBanks_label_nl" xlink:label="kvk-lr-b_NotesAssetsOtherAssetsOtherSpecificationBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Overige activa: Overige activa: Specificatie</label:label>
    <label:label id="kvk-lr-b_NotesAssetsOtherBanks_label_nl" xlink:label="kvk-lr-b_NotesAssetsOtherBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Overige activa</label:label>
    <label:label id="kvk-lr-b_NotesOtherOperatingExpensesBanks_label_nl" xlink:label="kvk-lr-b_NotesOtherOperatingExpensesBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Overige bedrijfskosten</label:label>
    <label:label id="kvk-lr-b_NotesInvestmentsInParticipatingInterestsOtherMovementPreviousBanks_label_nl" xlink:label="kvk-lr-b_NotesInvestmentsInParticipatingInterestsOtherMovementPreviousBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Overige deelnemingen, voorgaande periode: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-b_NotesInvestmentsInParticipatingInterestsOtherMovementBanks_label_nl" xlink:label="kvk-lr-b_NotesInvestmentsInParticipatingInterestsOtherMovementBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Overige deelnemingen: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-b_NotesInvestmentsInParticipatingInterestsOtherBanks_label_nl" xlink:label="kvk-lr-b_NotesInvestmentsInParticipatingInterestsOtherBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Overige deelnemingen</label:label>
    <label:label id="kvk-lr-b_NotesDebtSecuritiesDebtSecuritiesOtherSpecificationBanks_label_nl" xlink:label="kvk-lr-b_NotesDebtSecuritiesDebtSecuritiesOtherSpecificationBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Overige schuldbewijzen: Overige schuldbewijzen: Specificatie</label:label>
    <label:label id="kvk-lr-b_NotesPayablesOtherPayablesOtherSpecificationBanks_label_nl" xlink:label="kvk-lr-b_NotesPayablesOtherPayablesOtherSpecificationBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Overige schulden: Overige schulden: Specificatie</label:label>
    <label:label id="kvk-lr-b_NotesPayablesOtherBanks_label_nl" xlink:label="kvk-lr-b_NotesPayablesOtherBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Overige schulden</label:label>
    <label:label id="kvk-lr-b_NotesAccruedIncomeBanks_label_nl" xlink:label="kvk-lr-b_NotesAccruedIncomeBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Overlopende activa</label:label>
    <label:label id="kvk-lr-b_NotesAccrualsAndDeferredIncomeBanks_label_nl" xlink:label="kvk-lr-b_NotesAccrualsAndDeferredIncomeBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Overlopende passiva</label:label>
    <label:label id="kvk-lr-b_NotesEmployeeBenefitsAndOtherAdministrativeExpensesBanks_label_nl" xlink:label="kvk-lr-b_NotesEmployeeBenefitsAndOtherAdministrativeExpensesBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Personeels- en andere beheerskosten</label:label>
    <label:label id="kvk-lr-b_NotesDerivativeFinancialInstrumentsPositiveFairValueBreakdownBanks_label_nl" xlink:label="kvk-lr-b_NotesDerivativeFinancialInstrumentsPositiveFairValueBreakdownBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Positieve reële waarde van afgeleide financiële instrumenten: Uitsplitsing</label:label>
    <label:label id="kvk-lr-b_NotesInterestIncomeRelatedIncomeBanks_label_nl" xlink:label="kvk-lr-b_NotesInterestIncomeRelatedIncomeBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Rentebaten en soortgelijke opbrengsten</label:label>
    <label:label id="kvk-lr-b_NotesInterestExpensesRelatedExpensesBanks_label_nl" xlink:label="kvk-lr-b_NotesInterestExpensesRelatedExpensesBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Rentelasten en soortgelijke kosten</label:label>
    <label:label id="kvk-lr-b_NotesResultFromFinancialTransactionsBreakdownBanks_label_nl" xlink:label="kvk-lr-b_NotesResultFromFinancialTransactionsBreakdownBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Resultaat uit financiële transacties: Uitsplitsing</label:label>
    <label:label id="kvk-lr-b_NotesResultFromFinancialTransactionsBanks_label_nl" xlink:label="kvk-lr-b_NotesResultFromFinancialTransactionsBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Resultaat uit financiële transacties</label:label>
    <label:label id="kvk-lr-b_NotesDebtSecuritiesBreakdownMaturityPreviousBanks_label_nl" xlink:label="kvk-lr-b_NotesDebtSecuritiesBreakdownMaturityPreviousBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Schuldbewijzen, voorgaande periode: Uitsplitsing looptijd</label:label>
    <label:label id="kvk-lr-b_NotesDebtSecuritiesBreakdownMaturityBanks_label_nl" xlink:label="kvk-lr-b_NotesDebtSecuritiesBreakdownMaturityBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Schuldbewijzen: Uitsplitsing looptijd</label:label>
    <label:label id="kvk-lr-b_NotesDebtSecuritiesBanks_label_nl" xlink:label="kvk-lr-b_NotesDebtSecuritiesBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Schuldbewijzen</label:label>
    <label:label id="kvk-lr-b_NotesPayablesGroupCompaniesAndShareholdersParticipatingInterestsBreakdownPreviousBanks_label_nl" xlink:label="kvk-lr-b_NotesPayablesGroupCompaniesAndShareholdersParticipatingInterestsBreakdownPreviousBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Schulden aan groepsmaatschappijen en participanten in deelnemingen, voorgaande periode: Uitsplitsing</label:label>
    <label:label id="kvk-lr-b_NotesPayablesGroupCompaniesAndShareholdersParticipatingInterestsBreakdownBanks_label_nl" xlink:label="kvk-lr-b_NotesPayablesGroupCompaniesAndShareholdersParticipatingInterestsBreakdownBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Schulden aan groepsmaatschappijen en participanten in deelnemingen: Uitsplitsing</label:label>
    <label:label id="kvk-lr-b_NotesPayablesCustomersBreakdownMaturityPreviousBanks_label_nl" xlink:label="kvk-lr-b_NotesPayablesCustomersBreakdownMaturityPreviousBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Schulden aan klanten, voorgaande periode: Uitsplitsing looptijd</label:label>
    <label:label id="kvk-lr-b_NotesPayablesCustomersPayablesCustomersPayablesCustomersOtherOtherSpecificationBanks_label_nl" xlink:label="kvk-lr-b_NotesPayablesCustomersPayablesCustomersPayablesCustomersOtherOtherSpecificationBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Schulden aan klanten: Overige andere schulden aan klanten: Specificatie</label:label>
    <label:label id="kvk-lr-b_NotesPayablesCustomersPayablesCustomersDepositsOtherSpecificationBanks_label_nl" xlink:label="kvk-lr-b_NotesPayablesCustomersPayablesCustomersDepositsOtherSpecificationBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Schulden aan klanten: Overige schulden aan klanten uit hoofde van spaargelden: Specificatie</label:label>
    <label:label id="kvk-lr-b_NotesPayablesCustomersBreakdownMaturityBanks_label_nl" xlink:label="kvk-lr-b_NotesPayablesCustomersBreakdownMaturityBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Schulden aan klanten: Uitsplitsing looptijd</label:label>
    <label:label id="kvk-lr-b_NotesPayablesCustomersBanks_label_nl" xlink:label="kvk-lr-b_NotesPayablesCustomersBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Schulden aan klanten</label:label>
    <label:label id="kvk-lr-b_NotesPayablesCreditInstitutionsBreakdownMaturityPreviousBanks_label_nl" xlink:label="kvk-lr-b_NotesPayablesCreditInstitutionsBreakdownMaturityPreviousBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Schulden aan kredietinstellingen, voorgaande periode: Uitsplitsing looptijd</label:label>
    <label:label id="kvk-lr-b_NotesPayablesCreditInstitutionsPayablesCreditInstitutionsOtherSpecificationBanks_label_nl" xlink:label="kvk-lr-b_NotesPayablesCreditInstitutionsPayablesCreditInstitutionsOtherSpecificationBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Schulden aan kredietinstellingen: Overige schulden aan kredietinstellingen: Specificatie</label:label>
    <label:label id="kvk-lr-b_NotesPayablesCreditInstitutionsBreakdownMaturityBanks_label_nl" xlink:label="kvk-lr-b_NotesPayablesCreditInstitutionsBreakdownMaturityBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Schulden aan kredietinstellingen: Uitsplitsing looptijd</label:label>
    <label:label id="kvk-lr-b_NotesPayablesCreditInstitutionsBanks_label_nl" xlink:label="kvk-lr-b_NotesPayablesCreditInstitutionsBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Schulden aan kredietinstellingen</label:label>
    <label:label id="kvk-lr-b_NotesCapitalRatioBanks_label_nl" xlink:label="kvk-lr-b_NotesCapitalRatioBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Toelichting op vermogensratio's</label:label>
    <label:label id="kvk-lr-b_NotesCalledUpShareCapitalBanks_label_nl" xlink:label="kvk-lr-b_NotesCalledUpShareCapitalBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Van aandeelhouders opgevraagde stortingen</label:label>
    <label:label id="kvk-lr-b_NotesCapitalRatioBreakdownBanks_label_nl" xlink:label="kvk-lr-b_NotesCapitalRatioBreakdownBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Vermogensratio's: Uitsplitsing</label:label>
    <label:label id="kvk-lr-b_NotesContingentLiabilitiesBreakdownBanks_label_nl" xlink:label="kvk-lr-b_NotesContingentLiabilitiesBreakdownBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Voorwaardelijke schulden: Uitsplitsing</label:label>
    <label:label id="kvk-lr-b_NotesContingentLiabilitiesBanks_label_nl" xlink:label="kvk-lr-b_NotesContingentLiabilitiesBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Voorwaardelijke schulden</label:label>
    <label:label id="kvk-lr-b_NotesProvisionsBreakdownBanks_label_nl" xlink:label="kvk-lr-b_NotesProvisionsBreakdownBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Voorzieningen: Uitsplitsing</label:label>
    <label:label id="kvk-lr-b_NotesProvisionsBanks_label_nl" xlink:label="kvk-lr-b_NotesProvisionsBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Voorzieningen</label:label>
    <label:label id="kvk-lr-b_NotesReceivablesFromCreditInstitutionsIndefiniteMaturityBreakdownBanks_label_nl" xlink:label="kvk-lr-b_NotesReceivablesFromCreditInstitutionsIndefiniteMaturityBreakdownBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Vorderingen met onbepaalde looptijd op kredietinstellingen: Uitsplitsing looptijd</label:label>
    <label:label id="kvk-lr-b_NotesReceivablesFromCustomersIndefiniteMaturityBreakdownBanks_label_nl" xlink:label="kvk-lr-b_NotesReceivablesFromCustomersIndefiniteMaturityBreakdownBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Vorderingen met onbepaalde looptijd op kredietinstellingen: Uitsplitsing looptijd</label:label>
    <label:label id="kvk-lr-b_NotesReceivablesFromBanksReceivablesFromBanksOtherSpecificationBanks_label_nl" xlink:label="kvk-lr-b_NotesReceivablesFromBanksReceivablesFromBanksOtherSpecificationBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Vorderingen op banken: Overige vorderingen op banken: Specificatie</label:label>
    <label:label id="kvk-lr-b_NotesReceivablesFromCustomersBreakdownMaturityPreviousBanks_label_nl" xlink:label="kvk-lr-b_NotesReceivablesFromCustomersBreakdownMaturityPreviousBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Vorderingen op klanten, voorgaande periode: Uitsplitsing looptijd</label:label>
    <label:label id="kvk-lr-b_NotesReceivablesFromCustomersMovementPreviousBanks_label_nl" xlink:label="kvk-lr-b_NotesReceivablesFromCustomersMovementPreviousBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Vorderingen op klanten, voorgaande periode: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-b_NotesReceivablesFromCustomersBreakdownMaturityBanks_label_nl" xlink:label="kvk-lr-b_NotesReceivablesFromCustomersBreakdownMaturityBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Vorderingen op klanten: Uitsplitsing looptijd</label:label>
    <label:label id="kvk-lr-b_NotesReceivablesFromCustomersMovementBanks_label_nl" xlink:label="kvk-lr-b_NotesReceivablesFromCustomersMovementBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Vorderingen op klanten: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-b_NotesReceivablesFromCustomersBanks_label_nl" xlink:label="kvk-lr-b_NotesReceivablesFromCustomersBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Vorderingen op klanten</label:label>
    <label:label id="kvk-lr-b_NotesReceivablesFromCreditInstitutionsBreakdownMaturityPreviousBanks_label_nl" xlink:label="kvk-lr-b_NotesReceivablesFromCreditInstitutionsBreakdownMaturityPreviousBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Vorderingen op kredietinstellingen, voorgaande periode: Uitsplitsing looptijd</label:label>
    <label:label id="kvk-lr-b_NotesReceivablesFromCreditInstitutionsMovementPreviousBanks_label_nl" xlink:label="kvk-lr-b_NotesReceivablesFromCreditInstitutionsMovementPreviousBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Vorderingen op kredietinstellingen, voorgaande periode: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-b_NotesReceivablesFromCreditInstitutionsBreakdownMaturityBanks_label_nl" xlink:label="kvk-lr-b_NotesReceivablesFromCreditInstitutionsBreakdownMaturityBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Vorderingen op kredietinstellingen: Uitsplitsing looptijd</label:label>
    <label:label id="kvk-lr-b_NotesReceivablesFromCreditInstitutionsMovementBanks_label_nl" xlink:label="kvk-lr-b_NotesReceivablesFromCreditInstitutionsMovementBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Vorderingen op kredietinstellingen: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-b_NotesReceivablesFromCreditInstitutionsBanks_label_nl" xlink:label="kvk-lr-b_NotesReceivablesFromCreditInstitutionsBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Vorderingen op kredietinstellingen</label:label>
    <label:label id="kvk-lr-b_NotesDecreaseInValueReleaseNoncurrentSecuritiesInvestmentsParticipatingInterestsBanks_label_nl" xlink:label="kvk-lr-b_NotesDecreaseInValueReleaseNoncurrentSecuritiesInvestmentsParticipatingInterestsBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Vrijval van waardeverminderingen van de tot de vaste activa behorende effecten en deelnemingen</label:label>
    <label:label id="kvk-lr-b_NotesDecreaseInValueReleaseOfReceivablesAndProvisionsForOnBalanceSheetCommitmentsBanks_label_nl" xlink:label="kvk-lr-b_NotesDecreaseInValueReleaseOfReceivablesAndProvisionsForOnBalanceSheetCommitmentsBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Vrijval waardeverminderingen van vorderingen en voorzieningen voor onder de balans opgenomen verplichtingen</label:label>
    <label:label id="kvk-lr-b_NotesDecreaseInValueOfNoncurrentSecuritiesInvestmentsParticipatingInterestsBanks_label_nl" xlink:label="kvk-lr-b_NotesDecreaseInValueOfNoncurrentSecuritiesInvestmentsParticipatingInterestsBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Waardeverminderingen van de tot de vaste activa behorende effecten en deelnemingen</label:label>
    <label:label id="kvk-lr-b_NotesDecreaseInValueOfReceivablesAndProvisionsForOnBalanceSheetCommitmentsBanks_label_nl" xlink:label="kvk-lr-b_NotesDecreaseInValueOfReceivablesAndProvisionsForOnBalanceSheetCommitmentsBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Waardeverminderingen van vorderingen en voorzieningen voor onder de balans opgenomen verplichtingen</label:label>
    <label:label id="kvk-lr-b_NotesLegalReservesBanks_label_nl" xlink:label="kvk-lr-b_NotesLegalReservesBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Wettelijke reserves</label:label>
    <label:label id="kvk-lr-b_ReceivablesFromCreditInstitutionsBanks_label_nl" xlink:label="kvk-lr-b_ReceivablesFromCreditInstitutionsBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Vorderingen op kredietinstellingen</label:label>
    <label:label id="kvk-lr-b_ReceivablesFromCustomersBanks_label_nl" xlink:label="kvk-lr-b_ReceivablesFromCustomersBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Vorderingen op kredietinstellingen</label:label>
    <label:label id="kvk-lr-b_IncomeStatementBanks_label_nl" xlink:label="kvk-lr-b_IncomeStatementBanks_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Winst-en-verliesrekening</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"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesMovementBanks" xlink:label="kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesMovementBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesMovementPreviousBanks" xlink:label="kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesMovementPreviousBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesPublicOfferingBreakdownBanks" xlink:label="kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesPublicOfferingBreakdownBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesPublicOfferingBreakdownPreviousBanks" xlink:label="kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesPublicOfferingBreakdownPreviousBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_NotesConsolidatedCalledUpShareCapitalBanks" xlink:label="kvk-lr-b_NotesConsolidatedCalledUpShareCapitalBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_NotesConsolidatedCapitalRatioBanks" xlink:label="kvk-lr-b_NotesConsolidatedCapitalRatioBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_NotesConsolidatedCapitalRatioBreakdownBanks" xlink:label="kvk-lr-b_NotesConsolidatedCapitalRatioBreakdownBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_NotesConsolidatedCashInHandBanks" xlink:label="kvk-lr-b_NotesConsolidatedCashInHandBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_NotesConsolidatedCashInHandBreakdownBanks" xlink:label="kvk-lr-b_NotesConsolidatedCashInHandBreakdownBanks_loc" xlink:type="locator"/>
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    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_NotesConsolidatedCommissionsReceivedAndReceivableBanks" xlink:label="kvk-lr-b_NotesConsolidatedCommissionsReceivedAndReceivableBanks_loc" xlink:type="locator"/>
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