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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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  <xs:element abstract="true" id="kvk-abstr_TechnicalProvisionsForDamagesOrBenefitsPayableTitle" name="TechnicalProvisionsForDamagesOrBenefitsPayableTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="kvk-abstr_TechnicalProvisionsForInsuranceWhereInvestmentsAreForRiskOfPolicyHoldersAndAnnualLifeFundsBreakdownTitle" name="TechnicalProvisionsForInsuranceWhereInvestmentsAreForRiskOfPolicyHoldersAndAnnualLifeFundsBreakdownTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="kvk-abstr_TechnicalProvisionsForInsuranceWhereInvestmentsAreForRiskOfPolicyHoldersAndAnnualLifeFundsKvkTitle" name="TechnicalProvisionsForInsuranceWhereInvestmentsAreForRiskOfPolicyHoldersAndAnnualLifeFundsKvkTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="kvk-abstr_TechnicalProvisionsKvkTitle" name="TechnicalProvisionsKvkTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="kvk-abstr_TechnicalProvisionsLifeInsuranceBreakdownTitle" name="TechnicalProvisionsLifeInsuranceBreakdownTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="kvk-abstr_TechnicalProvisionsLifeInsuranceTitle" name="TechnicalProvisionsLifeInsuranceTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="kvk-abstr_TechnicalProvisionsMovementTitle" name="TechnicalProvisionsMovementTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="kvk-abstr_TechnicalProvisionsOtherBreakdownTitle" name="TechnicalProvisionsOtherBreakdownTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="kvk-abstr_TechnicalProvisionsOtherMovementTitle" name="TechnicalProvisionsOtherMovementTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="kvk-abstr_TechnicalProvisionsOtherTitle" name="TechnicalProvisionsOtherTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="kvk-abstr_TechnicalProvisionsProfitSharingAndDiscountsTitle" name="TechnicalProvisionsProfitSharingAndDiscountsTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="kvk-abstr_TechnicalProvisionsTechnicalProvisionsOtherSpecificationTitle" name="TechnicalProvisionsTechnicalProvisionsOtherSpecificationTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="kvk-abstr_TechnicalProvisionsTitle" name="TechnicalProvisionsTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="kvk-abstr_TechnicalProvisionsUnearnedPremiumsUnexpiredRisksBreakdownTitle" name="TechnicalProvisionsUnearnedPremiumsUnexpiredRisksBreakdownTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="kvk-abstr_TechnicalProvisionsUnearnedPremiumsUnexpiredRisksTitle" name="TechnicalProvisionsUnearnedPremiumsUnexpiredRisksTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="kvk-abstr_TradeOtherReceivablesBreakdownTitle" name="TradeOtherReceivablesBreakdownTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="kvk-abstr_TradeOtherReceivablesTitle" name="TradeOtherReceivablesTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="kvk-abstr_TradeReceivablesBreakdownTitle" name="TradeReceivablesBreakdownTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="kvk-abstr_TransfersOfRightsBalanceBreakdownTitle" name="TransfersOfRightsBalanceBreakdownTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="kvk-abstr_TransfersOfRightsBalanceDisclosureTitle" name="TransfersOfRightsBalanceDisclosureTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="kvk-abstr_TreasurySharesBreakdownTitle" name="TreasurySharesBreakdownTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="kvk-abstr_TreasurySharesDisclosureTitle" name="TreasurySharesDisclosureTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="kvk-abstr_TreasurySharesMovementTitle" name="TreasurySharesMovementTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="kvk-abstr_TreasurySharesTitle" name="TreasurySharesTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="kvk-abstr_TuitionCourseTrainingExamFeesDisclosureTitle" name="TuitionCourseTrainingExamFeesDisclosureTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="kvk-abstr_TurnoverRatioBreakdownTitle" name="TurnoverRatioBreakdownTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="kvk-abstr_TurnoverRatioDisclosureTitle" name="TurnoverRatioDisclosureTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="kvk-abstr_TurnoverRatioSubfundsSpecificationTitle" name="TurnoverRatioSubfundsSpecificationTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="kvk-abstr_TurnoverRatioTitle" name="TurnoverRatioTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="kvk-abstr_UnrealisedLossOnInvestmentsDisclosureTitle" name="UnrealisedLossOnInvestmentsDisclosureTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="kvk-abstr_UnrealisedProfitOnInvestmentsDisclosureTitle" name="UnrealisedProfitOnInvestmentsDisclosureTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
</xs:schema>
