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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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    <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"/>
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    <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"/>
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    <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_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"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_ConsolidatedAssetsLiabilitiesNotRecognisedOperatingLeaseBreakdownMaturityCpTitle" xlink:label="kvk-abstr-cp_ConsolidatedAssetsLiabilitiesNotRecognisedOperatingLeaseBreakdownMaturityCpTitle_loc" xlink:type="locator"/>
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    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_ConsolidatedAssetsOtherAssetsOtherSpecificationPremiumPensionInstitutionsCpTitle" xlink:label="kvk-abstr-cp_ConsolidatedAssetsOtherAssetsOtherSpecificationPremiumPensionInstitutionsCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_ConsolidatedAuditorsFeesBreakdownCpTitle" xlink:label="kvk-abstr-cp_ConsolidatedAuditorsFeesBreakdownCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_ConsolidatedAuditorsFeesBreakdownPreviousCpTitle" xlink:label="kvk-abstr-cp_ConsolidatedAuditorsFeesBreakdownPreviousCpTitle_loc" xlink:type="locator"/>
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    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_ConsolidatedAverageNumberOfEmployeesBreakdownCpTitle" xlink:label="kvk-abstr-cp_ConsolidatedAverageNumberOfEmployeesBreakdownCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_ConsolidatedAverageNumberOfEmployeesCpTitle" xlink:label="kvk-abstr-cp_ConsolidatedAverageNumberOfEmployeesCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_ConsolidatedAverageNumberOfEmployeesSegmentSpecificationCpTitle" xlink:label="kvk-abstr-cp_ConsolidatedAverageNumberOfEmployeesSegmentSpecificationCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_ConsolidatedCashAndCashEquivalentsBreakdownCpTitle" xlink:label="kvk-abstr-cp_ConsolidatedCashAndCashEquivalentsBreakdownCpTitle_loc" xlink:type="locator"/>
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    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_ConsolidatedContingentLiabilitiesPaymentsObtainUsageRightsBreakdownMaturityCpTitle" xlink:label="kvk-abstr-cp_ConsolidatedContingentLiabilitiesPaymentsObtainUsageRightsBreakdownMaturityCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_ConsolidatedEmployeeBenefitsExpensesBreakdownCpTitle" xlink:label="kvk-abstr-cp_ConsolidatedEmployeeBenefitsExpensesBreakdownCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_ConsolidatedEmployeeBenefitsExpensesCpTitle" xlink:label="kvk-abstr-cp_ConsolidatedEmployeeBenefitsExpensesCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_ConsolidatedEquityCpTitle" xlink:label="kvk-abstr-cp_ConsolidatedEquityCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_ConsolidatedFinancialInstrumentsCpTitle" xlink:label="kvk-abstr-cp_ConsolidatedFinancialInstrumentsCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_ConsolidatedFinancialInstrumentsDerivativePreviousSpecificationCpTitle" xlink:label="kvk-abstr-cp_ConsolidatedFinancialInstrumentsDerivativePreviousSpecificationCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_ConsolidatedFinancialInstrumentsDerivativeSpecificationCpTitle" xlink:label="kvk-abstr-cp_ConsolidatedFinancialInstrumentsDerivativeSpecificationCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_ConsolidatedFinancialInstrumentsDescriptionSpecificationCpTitle" xlink:label="kvk-abstr-cp_ConsolidatedFinancialInstrumentsDescriptionSpecificationCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_ConsolidatedFinancialInstrumentsHedgeAccountingCpTitle" xlink:label="kvk-abstr-cp_ConsolidatedFinancialInstrumentsHedgeAccountingCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_ConsolidatedFinancialInstrumentsHedgeAccountingPreviousSpecificationCpTitle" xlink:label="kvk-abstr-cp_ConsolidatedFinancialInstrumentsHedgeAccountingPreviousSpecificationCpTitle_loc" xlink:type="locator"/>
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    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_ConsolidatedFinancialInstrumentsIssuedPreviousSpecificationCpTitle" xlink:label="kvk-abstr-cp_ConsolidatedFinancialInstrumentsIssuedPreviousSpecificationCpTitle_loc" xlink:type="locator"/>
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    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_ConsolidatedFinancialInstrumentsMeasuredAtFairValuePreviousSpecificationCpTitle" xlink:label="kvk-abstr-cp_ConsolidatedFinancialInstrumentsMeasuredAtFairValuePreviousSpecificationCpTitle_loc" xlink:type="locator"/>
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    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_ConsolidatedFinancialInstrumentsMeasuredAtHigherValueThanFairValuePreviousSpecificationCpTitle" xlink:label="kvk-abstr-cp_ConsolidatedFinancialInstrumentsMeasuredAtHigherValueThanFairValuePreviousSpecificationCpTitle_loc" xlink:type="locator"/>
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    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_ConsolidatedFinancialInstrumentsObtainedPreviousSpecificationCpTitle" xlink:label="kvk-abstr-cp_ConsolidatedFinancialInstrumentsObtainedPreviousSpecificationCpTitle_loc" xlink:type="locator"/>
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    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_ConsolidatedFinancialInstrumentsOtherAmountsBreakdownCpTitle" xlink:label="kvk-abstr-cp_ConsolidatedFinancialInstrumentsOtherAmountsBreakdownCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_ConsolidatedFinancialInstrumentsRiskExposureSpecificationCpTitle" xlink:label="kvk-abstr-cp_ConsolidatedFinancialInstrumentsRiskExposureSpecificationCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_ConsolidatedGeneralAccountingPrinciplesChangeAccountingEstimatesCpTitle" xlink:label="kvk-abstr-cp_ConsolidatedGeneralAccountingPrinciplesChangeAccountingEstimatesCpTitle_loc" xlink:type="locator"/>
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    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_ConsolidatedGeneralAccountingPrinciplesChangeAccountingPoliciesCpTitle" xlink:label="kvk-abstr-cp_ConsolidatedGeneralAccountingPrinciplesChangeAccountingPoliciesCpTitle_loc" xlink:type="locator"/>
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    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_ConsolidatedGeneralAccountingPrinciplesExceptionalItemsCpTitle" xlink:label="kvk-abstr-cp_ConsolidatedGeneralAccountingPrinciplesExceptionalItemsCpTitle_loc" xlink:type="locator"/>
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    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_ConsolidatedGeneralAccountingPrinciplesFinancialInstrumentsPolicySpecificationCpTitle" xlink:label="kvk-abstr-cp_ConsolidatedGeneralAccountingPrinciplesFinancialInstrumentsPolicySpecificationCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_ConsolidatedGeneralAccountingPrinciplesForeignCurrencyTranslationCpTitle" xlink:label="kvk-abstr-cp_ConsolidatedGeneralAccountingPrinciplesForeignCurrencyTranslationCpTitle_loc" xlink:type="locator"/>
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    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_RightsGrantedNotYetExercisedCpTitle" xlink:label="kvk-abstr-cp_RightsGrantedNotYetExercisedCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_RightsGrantedNotYetExercisedMovementByManagingDirectorPreviousSpecificationCpTitle" xlink:label="kvk-abstr-cp_RightsGrantedNotYetExercisedMovementByManagingDirectorPreviousSpecificationCpTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_RightsGrantedNotYetExercisedMovementByManagingDirectorSpecificationCpTitle" xlink:label="kvk-abstr-cp_RightsGrantedNotYetExercisedMovementByManagingDirectorSpecificationCpTitle_loc" xlink:type="locator"/>
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    <link:loc xlink:href="kvk-abstracts-cp.xsd#kvk-abstr-cp_RightsGrantedNotYetExercisedMovementPreviousSpecificationCpTitle" xlink:label="kvk-abstr-cp_RightsGrantedNotYetExercisedMovementPreviousSpecificationCpTitle_loc" xlink:type="locator"/>
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    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedExpirationCapitalPremiumPensionInstitutionsDisclosureTitle" xlink:label="kvk-abstr_ConsolidatedExpirationCapitalPremiumPensionInstitutionsDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedFinancialInstrumentsTitle" xlink:label="kvk-abstr_ConsolidatedFinancialInstrumentsTitle_loc" xlink:type="locator"/>
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    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedIntangibleAssetsTitle" xlink:label="kvk-abstr_ConsolidatedIntangibleAssetsTitle_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"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedNoncontrollingInterestTitle" xlink:label="kvk-abstr_ConsolidatedNoncontrollingInterestTitle_loc" xlink:type="locator"/>
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    <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_ReceivablesAndPrepaymentsDisclosureTitle" xlink:label="kvk-abstr_ReceivablesAndPrepaymentsDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ReimbursementActivitiesInvestmentsTitle" xlink:label="kvk-abstr_ReimbursementActivitiesInvestmentsTitle_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_ResultsAppropriationTitle" xlink:label="kvk-abstr_ResultsAppropriationTitle_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"/>
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