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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 order="29" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_SeparateDisclosureIncomeStatementTitle_loc" xlink:to="kvk-abstr_CommissionsPaidAndPayableTitle_loc" xlink:type="arc"/>
    <gen:arc order="30" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_SeparateDisclosureIncomeStatementTitle_loc" xlink:to="kvk-abstr_ShareInResultsParticipatingInterestsTitle_loc" xlink:type="arc"/>
    <gen:arc order="31" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_SeparateDisclosureIncomeStatementTitle_loc" xlink:to="kvk-abstr_DamagesAndBenefitsReceivedCentralCashDisclosureTitle_loc" xlink:type="arc"/>
    <gen:arc order="32" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_SeparateDisclosureIncomeStatementTitle_loc" xlink:to="kvk-abstr_EmployeeBenefitsExpensesTitle_loc" xlink:type="arc"/>
    <gen:arc order="33" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_SeparateDisclosureIncomeStatementTitle_loc" xlink:to="kvk-abstr-cp_RelatedPartyTransactionsCpTitle_loc" xlink:type="arc"/>
    <gen:arc order="34" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_SeparateDisclosureIncomeStatementTitle_loc" xlink:to="kvk-abstr-cp_RelatedPartyTransactionsSpecificationCpTitle_loc" xlink:type="arc"/>
    <gen:arc order="35" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_SeparateDisclosureIncomeStatementTitle_loc" xlink:to="kvk-abstr_OtherNotesToTheIncomeStatementTitle_loc" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_SeparateFinancialStatementTitle_loc" xlink:to="kvk-abstr_BalanceSheetTitle_loc" xlink:type="arc"/>
    <gen:arc order="2" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_SeparateFinancialStatementTitle_loc" xlink:to="kvk-abstr_IncomeStatementTitle_loc" xlink:type="arc"/>
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    <gen:arc order="4" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_SeparateFinancialStatementTitle_loc" xlink:to="kvk-abstr_NotesTitle_loc" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_SettlementStatisticsDisclosureTitle_loc" xlink:to="kvk-abstr-cp_SettlementStatisticsDisclosureInsuranceCpTitle_loc" xlink:type="arc"/>
    <gen:arc order="2" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_SettlementStatisticsDisclosureTitle_loc" xlink:to="kvk-abstr-cp_SettlementStatisticsGrossSpecificationInsuranceCpTitle_loc" xlink:type="arc"/>
    <gen:arc order="3" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_SettlementStatisticsDisclosureTitle_loc" xlink:to="kvk-abstr-cp_SettlementStatisticsGrossPreviousSpecificationInsuranceCpTitle_loc" xlink:type="arc"/>
    <gen:arc order="4" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_SettlementStatisticsDisclosureTitle_loc" xlink:to="kvk-abstr-cp_SettlementStatisticsReinsuranceSpecificationInsuranceCpTitle_loc" xlink:type="arc"/>
    <gen:arc order="5" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_SettlementStatisticsDisclosureTitle_loc" xlink:to="kvk-abstr-cp_SettlementStatisticsReinsurancePreviousSpecificationInsuranceCpTitle_loc" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_ShareBasedPaymentsTitle_loc" xlink:to="kvk-abstr-cp_ShareBasedPaymentsBreakdownCpTitle_loc" xlink:type="arc"/>
    <gen:arc order="2" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_ShareBasedPaymentsTitle_loc" xlink:to="kvk-abstr-cp_ShareBasedPaymentsCpTitle_loc" xlink:type="arc"/>
    <gen:arc order="3" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_ShareBasedPaymentsTitle_loc" xlink:to="kvk-abstr-cp_ShareBasedPaymentsSpecificationCpTitle_loc" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_ShareCapitalTitle_loc" xlink:to="kvk-abstr-cp_ShareCapitalStatementOfChangesNumberofSharesSpecificationCpTitle_loc" xlink:type="arc"/>
    <gen:arc order="2" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_ShareCapitalTitle_loc" xlink:to="kvk-abstr-cp_ShareCapitalStatementOfChangesNumberofSharesPreviousSpecificationCpTitle_loc" xlink:type="arc"/>
    <gen:arc order="3" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_ShareCapitalTitle_loc" xlink:to="kvk-abstr-cp_ShareCapitalCpTitle_loc" xlink:type="arc"/>
    <gen:arc order="4" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_ShareCapitalTitle_loc" xlink:to="kvk-abstr-cp_ShareCapitalOtherAmountsBreakdownCpTitle_loc" xlink:type="arc"/>
    <gen:arc order="5" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_ShareCapitalTitle_loc" xlink:to="kvk-abstr-cp_ShareCapitalSpecificationCpTitle_loc" xlink:type="arc"/>
    <gen:arc order="6" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_ShareCapitalTitle_loc" xlink:to="kvk-abstr-cp_ShareCapitalDisclosureNumericBreakdownCpTitle_loc" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_ShareInResultsParticipatingInterestsTitle_loc" xlink:to="kvk-abstr-cp_ShareResultsParticipatingInterestsCpTitle_loc" xlink:type="arc"/>
    <gen:arc order="2" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_ShareInResultsParticipatingInterestsTitle_loc" xlink:to="kvk-abstr-cp_ShareResultsParticipatingInterestsSpecificationCpTitle_loc" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_SharePremiumTitle_loc" xlink:to="kvk-abstr-cp_SharePremiumCpTitle_loc" xlink:type="arc"/>
    <gen:arc order="2" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_SharePremiumTitle_loc" xlink:to="kvk-abstr-cp_SharePremiumDisclosureNumericBreakdownCpTitle_loc" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_SigningDisclosureFinancialStatementsTitle_loc" xlink:to="kvk-lr_SigningFinancialStatements_loc" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_StatutoryReservesTitle_loc" xlink:to="kvk-abstr-cp_StatutoryReservesCpTitle_loc" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_SubordinatedLiabilitiesTitle_loc" xlink:to="kvk-lr-in_NotesSubordinatedLiabilitiesInsurance_loc" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_SubsequentEventsTitle_loc" xlink:to="kvk-lr_NotesSubsequentEvents_loc" xlink:type="arc"/>
    <gen:arc order="2" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_SubsequentEventsTitle_loc" xlink:to="kvk-lr_NotesSubsequentEventsSpecification_loc" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_TechnicalProvisionsKvkTitle_loc" xlink:to="kvk-abstr-cp_TechnicalProvisionsMovementInsuranceCpTitle_loc" xlink:type="arc"/>
    <gen:arc order="2" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_TechnicalProvisionsKvkTitle_loc" xlink:to="kvk-abstr-cp_TechnicalProvisionsMovementPreviousInsuranceCpTitle_loc" xlink:type="arc"/>
    <gen:arc order="3" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_TechnicalProvisionsKvkTitle_loc" xlink:to="kvk-abstr-cp_TechnicalProvisionsBreakdownInsuranceCpTitle_loc" xlink:type="arc"/>
    <gen:arc order="4" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_TechnicalProvisionsKvkTitle_loc" xlink:to="kvk-abstr-cp_TechnicalProvisionsInsuranceCpTitle_loc" xlink:type="arc"/>
    <gen:arc order="6" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_TechnicalProvisionsKvkTitle_loc" xlink:to="kvk-abstr-cp_TechnicalProvisionsLifeInsuranceBreakdownInsuranceCpTitle_loc" xlink:type="arc"/>
    <gen:arc order="7" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_TechnicalProvisionsKvkTitle_loc" xlink:to="kvk-abstr-cp_TechnicalProvisionsForDamagesOrBenefitsPayableBreakdownInsuranceCpTitle_loc" xlink:type="arc"/>
    <gen:arc order="8" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_TechnicalProvisionsKvkTitle_loc" xlink:to="kvk-abstr-cp_TechnicalProvisionsForDamagesOrBenefitsPayableDiscountRateInsuranceCpTitle_loc" xlink:type="arc"/>
    <gen:arc order="9" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_TechnicalProvisionsKvkTitle_loc" xlink:to="kvk-abstr-cp_TechnicalProvisionIndustrySpecificationInsuranceCpTitle_loc" xlink:type="arc"/>
    <gen:arc order="10" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_TechnicalProvisionsKvkTitle_loc" xlink:to="kvk-abstr-cp_TechnicalProvisionsEqualisationReserveMovementInsuranceCpTitle_loc" xlink:type="arc"/>
    <gen:arc order="11" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_TechnicalProvisionsKvkTitle_loc" xlink:to="kvk-abstr-cp_TechnicalProvisionsEqualisationReserveMovementPreviousInsuranceCpTitle_loc" xlink:type="arc"/>
    <gen:arc order="12" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_TechnicalProvisionsKvkTitle_loc" xlink:to="kvk-abstr-cp_TechnicalProvisionsOtherBreakdownInsuranceCpTitle_loc" xlink:type="arc"/>
    <gen:arc order="13" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_TechnicalProvisionsKvkTitle_loc" xlink:to="kvk-abstr-cp_TechnicalProvisionsRiskPolicyHoldersAnnualLifeFundsBreakdownInsuranceCpTitle_loc" xlink:type="arc"/>
    <gen:arc order="14" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_TechnicalProvisionsKvkTitle_loc" xlink:to="kvk-abstr-cp_TechnicalProvisionsRiskPolicyHoldersAnnualLifeFundsInsuranceCpTitle_loc" xlink:type="arc"/>
    <gen:arc order="15" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_TechnicalProvisionsKvkTitle_loc" xlink:to="kvk-abstr-cp_TechnicalProvisionsTechnicalProvisionsOtherSpecificationInsuranceCpTitle_loc" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_UnrealisedLossOnInvestmentsDisclosureTitle_loc" xlink:to="kvk-lr-in_NotesUnrealisedLossOnInvestmentsInsurance_loc" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_UnrealisedProfitOnInvestmentsDisclosureTitle_loc" xlink:to="kvk-lr-in_NotesUnrealisedProfitOnInvestmentsInsurance_loc" xlink:type="arc"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_AccountingPrinciplesAssetsLiabilitiesCpTitle" xlink:label="kvk-abstr-cp_AccountingPrinciplesAssetsLiabilitiesCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_AccountingPrinciplesCashflowStatementCpTitle" xlink:label="kvk-abstr-cp_AccountingPrinciplesCashflowStatementCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_AccountingPrinciplesResultCpTitle" xlink:label="kvk-abstr-cp_AccountingPrinciplesResultCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_AccruedIncomeAccruedIncomeOtherSpecificationInsuranceCpTitle" xlink:label="kvk-abstr-cp_AccruedIncomeAccruedIncomeOtherSpecificationInsuranceCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_AccruedIncomeBreakdownInsuranceCpTitle" xlink:label="kvk-abstr-cp_AccruedIncomeBreakdownInsuranceCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_AccruedIncomeInsuranceCpTitle" xlink:label="kvk-abstr-cp_AccruedIncomeInsuranceCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_AcquisitionCostsCapitalisedOverviewInsuranceCpTitle" xlink:label="kvk-abstr-cp_AcquisitionCostsCapitalisedOverviewInsuranceCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_AcquisitionCostsCapitalisedOverviewPreviousInsuranceCpTitle" xlink:label="kvk-abstr-cp_AcquisitionCostsCapitalisedOverviewPreviousInsuranceCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_AssetsLiabilitiesNotRecognisedCpTitle" xlink:label="kvk-abstr-cp_AssetsLiabilitiesNotRecognisedCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_AssetsLiabilitiesNotRecognisedOperatingLeaseBreakdownCpTitle" xlink:label="kvk-abstr-cp_AssetsLiabilitiesNotRecognisedOperatingLeaseBreakdownCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_AssetsLiabilitiesNotRecognisedOperatingLeaseBreakdownMaturityCpTitle" xlink:label="kvk-abstr-cp_AssetsLiabilitiesNotRecognisedOperatingLeaseBreakdownMaturityCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_AssetsLiabilitiesNotRecognisedOperatingLeaseBreakdownOtherCpTitle" xlink:label="kvk-abstr-cp_AssetsLiabilitiesNotRecognisedOperatingLeaseBreakdownOtherCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_AssetsLiabilitiesNotRecognisedOperatingLeaseLessorsBreakdownMaturityCpTitle" xlink:label="kvk-abstr-cp_AssetsLiabilitiesNotRecognisedOperatingLeaseLessorsBreakdownMaturityCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_AssetsLiabilitiesNotRecognisedOperatingLeaseLessorsMaturitySpecificationCpTitle" xlink:label="kvk-abstr-cp_AssetsLiabilitiesNotRecognisedOperatingLeaseLessorsMaturitySpecificationCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_AssetsLiabilitiesNotRecognisedOperatingLeaseMaturitySpecificationCpTitle" xlink:label="kvk-abstr-cp_AssetsLiabilitiesNotRecognisedOperatingLeaseMaturitySpecificationCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_AssetsLiabilitiesNotRecognisedOtherAmountsBreakdownCpTitle" xlink:label="kvk-abstr-cp_AssetsLiabilitiesNotRecognisedOtherAmountsBreakdownCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_AssetsOtherBreakdownInsuranceCpTitle" xlink:label="kvk-abstr-cp_AssetsOtherBreakdownInsuranceCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_AssetsOtherInsuranceCpTitle" xlink:label="kvk-abstr-cp_AssetsOtherInsuranceCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_AssetsOtherOtherAssetsOtherSpecificationInsuranceCpTitle" xlink:label="kvk-abstr-cp_AssetsOtherOtherAssetsOtherSpecificationInsuranceCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_AuditorsFeesBreakdownCpTitle" xlink:label="kvk-abstr-cp_AuditorsFeesBreakdownCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_AuditorsFeesBreakdownPreviousCpTitle" xlink:label="kvk-abstr-cp_AuditorsFeesBreakdownPreviousCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_AuditorsFeesCpTitle" xlink:label="kvk-abstr-cp_AuditorsFeesCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_AverageNumberOfEmployeesBreakdownCpTitle" xlink:label="kvk-abstr-cp_AverageNumberOfEmployeesBreakdownCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_AverageNumberOfEmployeesCpTitle" xlink:label="kvk-abstr-cp_AverageNumberOfEmployeesCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_AverageNumberOfEmployeesSegmentSpecificationCpTitle" xlink:label="kvk-abstr-cp_AverageNumberOfEmployeesSegmentSpecificationCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_CapitalisedAcquisitionCostsMovementInsuranceCpTitle" xlink:label="kvk-abstr-cp_CapitalisedAcquisitionCostsMovementInsuranceCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_CapitalisedAcquisitionCostsMovementPreviousInsuranceCpTitle" xlink:label="kvk-abstr-cp_CapitalisedAcquisitionCostsMovementPreviousInsuranceCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_CashAndCashEquivalentsBreakdownCpTitle" xlink:label="kvk-abstr-cp_CashAndCashEquivalentsBreakdownCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_CashAndCashEquivalentsCpTitle" xlink:label="kvk-abstr-cp_CashAndCashEquivalentsCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_ConsolidatedAccountingPrinciplesAssetsLiabilitiesCpTitle" xlink:label="kvk-abstr-cp_ConsolidatedAccountingPrinciplesAssetsLiabilitiesCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_ConsolidatedAccountingPrinciplesCashflowStatementCpTitle" xlink:label="kvk-abstr-cp_ConsolidatedAccountingPrinciplesCashflowStatementCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_ConsolidatedAccountingPrinciplesResultCpTitle" xlink:label="kvk-abstr-cp_ConsolidatedAccountingPrinciplesResultCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_ConsolidatedAccountingPrinciplesStatementComprehensiveIncomeCpTitle" xlink:label="kvk-abstr-cp_ConsolidatedAccountingPrinciplesStatementComprehensiveIncomeCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_ConsolidatedAccruedIncomeAccruedIncomeOtherSpecificationInsuranceCpTitle" xlink:label="kvk-abstr-cp_ConsolidatedAccruedIncomeAccruedIncomeOtherSpecificationInsuranceCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_ConsolidatedAccruedIncomeBreakdownInsuranceCpTitle" xlink:label="kvk-abstr-cp_ConsolidatedAccruedIncomeBreakdownInsuranceCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_ConsolidatedAccruedIncomeInsuranceCpTitle" xlink:label="kvk-abstr-cp_ConsolidatedAccruedIncomeInsuranceCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_ConsolidatedAcquisitionCostsCapitalisedOverviewInsuranceCpTitle" xlink:label="kvk-abstr-cp_ConsolidatedAcquisitionCostsCapitalisedOverviewInsuranceCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_ConsolidatedAcquisitionCostsCapitalisedOverviewPreviousInsuranceCpTitle" xlink:label="kvk-abstr-cp_ConsolidatedAcquisitionCostsCapitalisedOverviewPreviousInsuranceCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_ConsolidatedAssetsLiabilitiesNotRecognisedCpTitle" xlink:label="kvk-abstr-cp_ConsolidatedAssetsLiabilitiesNotRecognisedCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_ConsolidatedAssetsLiabilitiesNotRecognisedOperatingLeaseBreakdownCpTitle" xlink:label="kvk-abstr-cp_ConsolidatedAssetsLiabilitiesNotRecognisedOperatingLeaseBreakdownCpTitle_loc" xlink:type="locator"/>
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    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_ConsolidatedAssetsLiabilitiesNotRecognisedOperatingLeaseBreakdownOtherCpTitle" xlink:label="kvk-abstr-cp_ConsolidatedAssetsLiabilitiesNotRecognisedOperatingLeaseBreakdownOtherCpTitle_loc" xlink:type="locator"/>
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    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_TechnicalProvisionsTechnicalProvisionsOtherSpecificationInsuranceCpTitle" xlink:label="kvk-abstr-cp_TechnicalProvisionsTechnicalProvisionsOtherSpecificationInsuranceCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_AccountingPrinciplesTitle" xlink:label="kvk-abstr_AccountingPrinciplesTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_AccrualsAndDeferredIncomeTitle" xlink:label="kvk-abstr_AccrualsAndDeferredIncomeTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_AccruedIncomeKvkTitle" xlink:label="kvk-abstr_AccruedIncomeKvkTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_AcquisitionCostsCapitalisedOverviewTitle" xlink:label="kvk-abstr_AcquisitionCostsCapitalisedOverviewTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_AllocatedIncomeFromInvestmentsDisclosureTitle" xlink:label="kvk-abstr_AllocatedIncomeFromInvestmentsDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_AnnualReportTitle" xlink:label="kvk-abstr_AnnualReportTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_AssetsOtherDisclosureTitle" xlink:label="kvk-abstr_AssetsOtherDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_AuditorsFeesTitle" xlink:label="kvk-abstr_AuditorsFeesTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_AverageNumberEmployeesTitle" xlink:label="kvk-abstr_AverageNumberEmployeesTitle_loc" xlink:type="locator"/>
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    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_CashAndCashEquivalentsTitle" xlink:label="kvk-abstr_CashAndCashEquivalentsTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_CashFlowStatementTitle" xlink:label="kvk-abstr_CashFlowStatementTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ChangeInEqualisationReserveDisclosureTitle" xlink:label="kvk-abstr_ChangeInEqualisationReserveDisclosureTitle_loc" xlink:type="locator"/>
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    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedAverageNumberEmployeesTitle" xlink:label="kvk-abstr_ConsolidatedAverageNumberEmployeesTitle_loc" xlink:type="locator"/>
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    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedCashAndCashEquivalentsTitle" xlink:label="kvk-abstr_ConsolidatedCashAndCashEquivalentsTitle_loc" xlink:type="locator"/>
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    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedCommissionsPaidAndPayableTitle" xlink:label="kvk-abstr_ConsolidatedCommissionsPaidAndPayableTitle_loc" xlink:type="locator"/>
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    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedDamagesAndBenefitsReceivedCentralCashDisclosureTitle" xlink:label="kvk-abstr_ConsolidatedDamagesAndBenefitsReceivedCentralCashDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedDamagesForOwnAccountDisclosureTitle" xlink:label="kvk-abstr_ConsolidatedDamagesForOwnAccountDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedDepositsOfReinsurersTitle" xlink:label="kvk-abstr_ConsolidatedDepositsOfReinsurersTitle_loc" xlink:type="locator"/>
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    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedEarnedPremiumsForOwnAccountDisclosureTitle" xlink:label="kvk-abstr_ConsolidatedEarnedPremiumsForOwnAccountDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedEmployeeBenefitsExpensesTitle" xlink:label="kvk-abstr_ConsolidatedEmployeeBenefitsExpensesTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedEquityGroupTitle" xlink:label="kvk-abstr_ConsolidatedEquityGroupTitle_loc" xlink:type="locator"/>
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    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedGeographicAreaInsuranceContractsTitle" xlink:label="kvk-abstr_ConsolidatedGeographicAreaInsuranceContractsTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedIncomeFromInvestmentsAllocatedToNonTechnicalAccountDisclosureTitle" xlink:label="kvk-abstr_ConsolidatedIncomeFromInvestmentsAllocatedToNonTechnicalAccountDisclosureTitle_loc" xlink:type="locator"/>
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    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedIncomeOtherExpensesOtherTitle" xlink:label="kvk-abstr_ConsolidatedIncomeOtherExpensesOtherTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedIncomeStatementTitle" xlink:label="kvk-abstr_ConsolidatedIncomeStatementTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedIncomeTaxExpenseOrdinaryActivitiesDisclosureTitle" xlink:label="kvk-abstr_ConsolidatedIncomeTaxExpenseOrdinaryActivitiesDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedIndemnityInsuranceComponentsTitle" xlink:label="kvk-abstr_ConsolidatedIndemnityInsuranceComponentsTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedInsuranceContractsProfitSharingGuaranteesOptionsTitle" xlink:label="kvk-abstr_ConsolidatedInsuranceContractsProfitSharingGuaranteesOptionsTitle_loc" xlink:type="locator"/>
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    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedInventoriesTitle" xlink:label="kvk-abstr_ConsolidatedInventoriesTitle_loc" xlink:type="locator"/>
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    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedLiabilityAdequacyTestTitle" xlink:label="kvk-abstr_ConsolidatedLiabilityAdequacyTestTitle_loc" xlink:type="locator"/>
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    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedLoansAdvancesGuaranteesOnBehalfOfManagingSupervisoryDirectorsTitle" xlink:label="kvk-abstr_ConsolidatedLoansAdvancesGuaranteesOnBehalfOfManagingSupervisoryDirectorsTitle_loc" xlink:type="locator"/>
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    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_GeographicAreaInsuranceContractsTitle" xlink:label="kvk-abstr_GeographicAreaInsuranceContractsTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_IncomeFromInvestmentsAllocatedToNonTechnicalAccountDisclosureTitle" xlink:label="kvk-abstr_IncomeFromInvestmentsAllocatedToNonTechnicalAccountDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_IncomeFromInvestmentsDisclosureTitle" xlink:label="kvk-abstr_IncomeFromInvestmentsDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_IncomeOtherExpensesOtherTitle" xlink:label="kvk-abstr_IncomeOtherExpensesOtherTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_IncomeStatementTitle" xlink:label="kvk-abstr_IncomeStatementTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_IncomeTaxExpenseOrdinaryActivitiesDisclosureTitle" xlink:label="kvk-abstr_IncomeTaxExpenseOrdinaryActivitiesDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_IndemnityInsuranceComponentsTitle" xlink:label="kvk-abstr_IndemnityInsuranceComponentsTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_InformationOtherTitle" xlink:label="kvk-abstr_InformationOtherTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_InsuranceContractsProfitSharingGuaranteesOptionsTitle" xlink:label="kvk-abstr_InsuranceContractsProfitSharingGuaranteesOptionsTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_IntangibleAssetsTitle" xlink:label="kvk-abstr_IntangibleAssetsTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_InventoriesTitle" xlink:label="kvk-abstr_InventoriesTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_InvestmentExpensesDisclosureTitle" xlink:label="kvk-abstr_InvestmentExpensesDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_InvestmentsKvkTitle" xlink:label="kvk-abstr_InvestmentsKvkTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_LegalReservesTitle" xlink:label="kvk-abstr_LegalReservesTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_LegalStatutoryReservesDisclosureTitle" xlink:label="kvk-abstr_LegalStatutoryReservesDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_LiabilitiesKvkTitle" xlink:label="kvk-abstr_LiabilitiesKvkTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_LiabilityAdequacyTestTitle" xlink:label="kvk-abstr_LiabilityAdequacyTestTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_LifeInsuranceDetailedOverviewTitle" xlink:label="kvk-abstr_LifeInsuranceDetailedOverviewTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_LifeInsuranceOverviewTitle" xlink:label="kvk-abstr_LifeInsuranceOverviewTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_LoansAdvancesGuaranteesOnBehalfOfManagingSupervisoryDirectorsTitle" xlink:label="kvk-abstr_LoansAdvancesGuaranteesOnBehalfOfManagingSupervisoryDirectorsTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ManagementReportTitle" xlink:label="kvk-abstr_ManagementReportTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_MultiAnnualOverviewTitle" xlink:label="kvk-abstr_MultiAnnualOverviewTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_NotesOtherTitle" xlink:label="kvk-abstr_NotesOtherTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_NotesTitle" xlink:label="kvk-abstr_NotesTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_OffBalanceSheetCommitmentsTitle" xlink:label="kvk-abstr_OffBalanceSheetCommitmentsTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_OperatingExpensesTitle" xlink:label="kvk-abstr_OperatingExpensesTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_OtherNotesToTheIncomeStatementTitle" xlink:label="kvk-abstr_OtherNotesToTheIncomeStatementTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_OtherTechnicalExpensesForOwnAccountTitle" xlink:label="kvk-abstr_OtherTechnicalExpensesForOwnAccountTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_OtherTechnicalIncomeForOwnAccountTitle" xlink:label="kvk-abstr_OtherTechnicalIncomeForOwnAccountTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_PaymentsDueToTerminationOfEmploymentTitle" xlink:label="kvk-abstr_PaymentsDueToTerminationOfEmploymentTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ProfitSharingAndDiscountsDisclosureTitle" xlink:label="kvk-abstr_ProfitSharingAndDiscountsDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_PropertyPlantEquipmentTitle" xlink:label="kvk-abstr_PropertyPlantEquipmentTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ProvisionsTitle" xlink:label="kvk-abstr_ProvisionsTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ReceivablesTitle" xlink:label="kvk-abstr_ReceivablesTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_RemunerationDirectorsTitle" xlink:label="kvk-abstr_RemunerationDirectorsTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ReportOfTheSupervisoryBoardTitle" xlink:label="kvk-abstr_ReportOfTheSupervisoryBoardTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ReservesOtherTitle" xlink:label="kvk-abstr_ReservesOtherTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ResultAfterTaxExtraordinaryItemsDisclosureTitle" xlink:label="kvk-abstr_ResultAfterTaxExtraordinaryItemsDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ResultAnalysisTitle" xlink:label="kvk-abstr_ResultAnalysisTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ResultForTheYearTitle" xlink:label="kvk-abstr_ResultForTheYearTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ResultFromInvestmentsBreakdownTitle" xlink:label="kvk-abstr_ResultFromInvestmentsBreakdownTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ResultTechnicalAccountDamageInsuranceDisclosureTitle" xlink:label="kvk-abstr_ResultTechnicalAccountDamageInsuranceDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ResultTechnicalAccountLifeInsuranceDisclosureTitle" xlink:label="kvk-abstr_ResultTechnicalAccountLifeInsuranceDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ResultsAppropriationTitle" xlink:label="kvk-abstr_ResultsAppropriationTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_RetainedEarningsTitle" xlink:label="kvk-abstr_RetainedEarningsTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_RevaluationReserveTitle" xlink:label="kvk-abstr_RevaluationReserveTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_RightsExercisedTitle" xlink:label="kvk-abstr_RightsExercisedTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_RightsGrantedNotYetExercisedTitle" xlink:label="kvk-abstr_RightsGrantedNotYetExercisedTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_SeparateDisclosureBalanceSheetTitle" xlink:label="kvk-abstr_SeparateDisclosureBalanceSheetTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_SeparateDisclosureIncomeStatementTitle" xlink:label="kvk-abstr_SeparateDisclosureIncomeStatementTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_SeparateFinancialStatementTitle" xlink:label="kvk-abstr_SeparateFinancialStatementTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_SettlementStatisticsDisclosureTitle" xlink:label="kvk-abstr_SettlementStatisticsDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ShareBasedPaymentsTitle" xlink:label="kvk-abstr_ShareBasedPaymentsTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ShareCapitalTitle" xlink:label="kvk-abstr_ShareCapitalTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ShareInResultsParticipatingInterestsTitle" xlink:label="kvk-abstr_ShareInResultsParticipatingInterestsTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_SharePremiumTitle" xlink:label="kvk-abstr_SharePremiumTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_SigningDisclosureFinancialStatementsTitle" xlink:label="kvk-abstr_SigningDisclosureFinancialStatementsTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_StatutoryReservesTitle" xlink:label="kvk-abstr_StatutoryReservesTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_SubordinatedLiabilitiesTitle" xlink:label="kvk-abstr_SubordinatedLiabilitiesTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_SubsequentEventsTitle" xlink:label="kvk-abstr_SubsequentEventsTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_TechnicalProvisionsKvkTitle" xlink:label="kvk-abstr_TechnicalProvisionsKvkTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_UnrealisedLossOnInvestmentsDisclosureTitle" xlink:label="kvk-abstr_UnrealisedLossOnInvestmentsDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_UnrealisedProfitOnInvestmentsDisclosureTitle" xlink:label="kvk-abstr_UnrealisedProfitOnInvestmentsDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="../dictionary/kvk-linkroles-insurance.xsd#kvk-lr-in_BalanceSheetInsurance" xlink:label="kvk-lr-in_BalanceSheetInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="../dictionary/kvk-linkroles-insurance.xsd#kvk-lr-in_CashFlowStatementInsurance" xlink:label="kvk-lr-in_CashFlowStatementInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="../dictionary/kvk-linkroles-insurance.xsd#kvk-lr-in_ConsolidatedBalanceSheetInsurance" xlink:label="kvk-lr-in_ConsolidatedBalanceSheetInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="../dictionary/kvk-linkroles-insurance.xsd#kvk-lr-in_ConsolidatedCashFlowStatementInsurance" xlink:label="kvk-lr-in_ConsolidatedCashFlowStatementInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="../dictionary/kvk-linkroles-insurance.xsd#kvk-lr-in_ConsolidatedIncomeStatementNonTechnicalAccountInsurance" xlink:label="kvk-lr-in_ConsolidatedIncomeStatementNonTechnicalAccountInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="../dictionary/kvk-linkroles-insurance.xsd#kvk-lr-in_ConsolidatedIncomeStatementTechnicalAccountIndemnityInsurance" xlink:label="kvk-lr-in_ConsolidatedIncomeStatementTechnicalAccountIndemnityInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="../dictionary/kvk-linkroles-insurance.xsd#kvk-lr-in_ConsolidatedIncomeStatementTechnicalAccountLifeInsurance" xlink:label="kvk-lr-in_ConsolidatedIncomeStatementTechnicalAccountLifeInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="../dictionary/kvk-linkroles-insurance.xsd#kvk-lr-in_IncomeStatementNonTechnicalAccountInsurance" xlink:label="kvk-lr-in_IncomeStatementNonTechnicalAccountInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="../dictionary/kvk-linkroles-insurance.xsd#kvk-lr-in_IncomeStatementTechnicalAccountIndemnityInsurance" xlink:label="kvk-lr-in_IncomeStatementTechnicalAccountIndemnityInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="../dictionary/kvk-linkroles-insurance.xsd#kvk-lr-in_IncomeStatementTechnicalAccountLifeInsurance" xlink:label="kvk-lr-in_IncomeStatementTechnicalAccountLifeInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="../dictionary/kvk-linkroles-insurance.xsd#kvk-lr-in_NotesAccountingPrinciplesAssetsLiabilitiesInsurance" xlink:label="kvk-lr-in_NotesAccountingPrinciplesAssetsLiabilitiesInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="../dictionary/kvk-linkroles-insurance.xsd#kvk-lr-in_NotesAccountingPrinciplesResultInsurance" xlink:label="kvk-lr-in_NotesAccountingPrinciplesResultInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="../dictionary/kvk-linkroles-insurance.xsd#kvk-lr-in_NotesAccrualsAndDeferredIncomeInsurance" xlink:label="kvk-lr-in_NotesAccrualsAndDeferredIncomeInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="../dictionary/kvk-linkroles-insurance.xsd#kvk-lr-in_NotesAccruedIncomeAccruedIncomeOtherSpecificationInsurance" xlink:label="kvk-lr-in_NotesAccruedIncomeAccruedIncomeOtherSpecificationInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="../dictionary/kvk-linkroles-insurance.xsd#kvk-lr-in_NotesAccruedIncomeBreakdownInsurance" xlink:label="kvk-lr-in_NotesAccruedIncomeBreakdownInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="../dictionary/kvk-linkroles-insurance.xsd#kvk-lr-in_NotesAccruedIncomeInsurance" xlink:label="kvk-lr-in_NotesAccruedIncomeInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="../dictionary/kvk-linkroles-insurance.xsd#kvk-lr-in_NotesAcquisitionCostsCapitalisedOverviewInsurance" xlink:label="kvk-lr-in_NotesAcquisitionCostsCapitalisedOverviewInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="../dictionary/kvk-linkroles-insurance.xsd#kvk-lr-in_NotesAcquisitionCostsCapitalisedOverviewPreviousInsurance" xlink:label="kvk-lr-in_NotesAcquisitionCostsCapitalisedOverviewPreviousInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="../dictionary/kvk-linkroles-insurance.xsd#kvk-lr-in_NotesAllocatedIncomeFromInvestmentsInsurance" xlink:label="kvk-lr-in_NotesAllocatedIncomeFromInvestmentsInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="../dictionary/kvk-linkroles-insurance.xsd#kvk-lr-in_NotesAssetsOtherBreakdownInsurance" xlink:label="kvk-lr-in_NotesAssetsOtherBreakdownInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="../dictionary/kvk-linkroles-insurance.xsd#kvk-lr-in_NotesAssetsOtherInsurance" xlink:label="kvk-lr-in_NotesAssetsOtherInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="../dictionary/kvk-linkroles-insurance.xsd#kvk-lr-in_NotesAssetsOtherOtherAssetsOtherSpecificationInsurance" xlink:label="kvk-lr-in_NotesAssetsOtherOtherAssetsOtherSpecificationInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="../dictionary/kvk-linkroles-insurance.xsd#kvk-lr-in_NotesBenefitsForOwnAccountInsurance" xlink:label="kvk-lr-in_NotesBenefitsForOwnAccountInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="../dictionary/kvk-linkroles-insurance.xsd#kvk-lr-in_NotesCapitalisedAcquisitionCostsMovementInsurance" xlink:label="kvk-lr-in_NotesCapitalisedAcquisitionCostsMovementInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="../dictionary/kvk-linkroles-insurance.xsd#kvk-lr-in_NotesCapitalisedAcquisitionCostsMovementPreviousInsurance" xlink:label="kvk-lr-in_NotesCapitalisedAcquisitionCostsMovementPreviousInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="../dictionary/kvk-linkroles-insurance.xsd#kvk-lr-in_NotesChangeInEqualisationReserveInsurance" xlink:label="kvk-lr-in_NotesChangeInEqualisationReserveInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="../dictionary/kvk-linkroles-insurance.xsd#kvk-lr-in_NotesChangeInOtherTechnicalProvisionsForOwnAccountInsurance" xlink:label="kvk-lr-in_NotesChangeInOtherTechnicalProvisionsForOwnAccountInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="../dictionary/kvk-linkroles-insurance.xsd#kvk-lr-in_NotesCommissionsPaidAndPayableInsurance" xlink:label="kvk-lr-in_NotesCommissionsPaidAndPayableInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="../dictionary/kvk-linkroles-insurance.xsd#kvk-lr-in_NotesConsolidatedAccountingPrinciplesAssetsLiabilitiesInsurance" xlink:label="kvk-lr-in_NotesConsolidatedAccountingPrinciplesAssetsLiabilitiesInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="../dictionary/kvk-linkroles-insurance.xsd#kvk-lr-in_NotesConsolidatedAccountingPrinciplesResultInsurance" xlink:label="kvk-lr-in_NotesConsolidatedAccountingPrinciplesResultInsurance_loc" xlink:type="locator"/>
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    <link:loc xlink:href="../dictionary/kvk-linkroles-insurance.xsd#kvk-lr-in_NotesConsolidatedBenefitsForOwnAccountInsurance" xlink:label="kvk-lr-in_NotesConsolidatedBenefitsForOwnAccountInsurance_loc" xlink:type="locator"/>
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    <link:loc xlink:href="../dictionary/kvk-linkroles-insurance.xsd#kvk-lr-in_NotesConsolidatedDamageOutflowOverviewDisclosureInsurance" xlink:label="kvk-lr-in_NotesConsolidatedDamageOutflowOverviewDisclosureInsurance_loc" xlink:type="locator"/>
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    <link:loc xlink:href="../dictionary/kvk-linkroles-insurance.xsd#kvk-lr-in_NotesConsolidatedDamagesAndBenefitsReceivedCentralCashBreakdownInsurance" xlink:label="kvk-lr-in_NotesConsolidatedDamagesAndBenefitsReceivedCentralCashBreakdownInsurance_loc" xlink:type="locator"/>
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