<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<!--
  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:roleRef roleURI="http://www.xbrl.org/2010/role/message" xlink:href="http://www.xbrl.org/2010/generic-message.xsd#standard-message" xlink:type="simple"/>
  <link:roleRef roleURI="urn:kvk:linkrole:consolidated-balance-sheet-banks" xlink:href="../dictionary/kvk-linkroles-banks.xsd#kvk-lr-b_ConsolidatedBalanceSheetBanks" xlink:type="simple"/>
  <link:arcroleRef arcroleURI="http://xbrl.org/arcrole/2010/assertion-unsatisfied-message" xlink:href="http://www.xbrl.org/2010/validation-message.xsd#assertion-unsatisfied-message" xlink:type="simple"/>
  <gen:link xlink:role="urn:kvk:linkrole:consolidated-balance-sheet-banks" xlink:type="extended">
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2010/assertion-unsatisfied-message" xlink:from="existenceAssertion_ConsolidatedBalanceSheetBanks_PrtExistence1_loc" xlink:to="ConsolidatedBalanceSheetBanks_PrtExistence1_assertion-unsatisfied-message_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2010/assertion-unsatisfied-message" xlink:from="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit1_loc" xlink:to="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit1_assertion-unsatisfied-message_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2010/assertion-unsatisfied-message" xlink:from="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit2_loc" xlink:to="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit2_assertion-unsatisfied-message_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2010/assertion-unsatisfied-message" xlink:from="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit3_loc" xlink:to="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit3_assertion-unsatisfied-message_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2010/assertion-unsatisfied-message" xlink:from="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit4_loc" xlink:to="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit4_assertion-unsatisfied-message_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2010/assertion-unsatisfied-message" xlink:from="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit5_loc" xlink:to="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit5_assertion-unsatisfied-message_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2010/assertion-unsatisfied-message" xlink:from="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit6_loc" xlink:to="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit6_assertion-unsatisfied-message_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2010/assertion-unsatisfied-message" xlink:from="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit7_loc" xlink:to="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit7_assertion-unsatisfied-message_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2010/assertion-unsatisfied-message" xlink:from="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit1_loc" xlink:to="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit1_assertion-unsatisfied-message_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2010/assertion-unsatisfied-message" xlink:from="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit2_loc" xlink:to="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit2_assertion-unsatisfied-message_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2010/assertion-unsatisfied-message" xlink:from="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit3_loc" xlink:to="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit3_assertion-unsatisfied-message_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2010/assertion-unsatisfied-message" xlink:from="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit4_loc" xlink:to="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit4_assertion-unsatisfied-message_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2010/assertion-unsatisfied-message" xlink:from="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit5_loc" xlink:to="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit5_assertion-unsatisfied-message_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2010/assertion-unsatisfied-message" xlink:from="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit6_loc" xlink:to="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit6_assertion-unsatisfied-message_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2010/assertion-unsatisfied-message" xlink:from="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit7_loc" xlink:to="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit7_assertion-unsatisfied-message_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2010/assertion-unsatisfied-message" xlink:from="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit8_loc" xlink:to="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit8_assertion-unsatisfied-message_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2010/assertion-unsatisfied-message" xlink:from="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST101Variable1_loc" xlink:to="ConsolidatedBalanceSheetBanks_PrtFST101Variable1_assertion-unsatisfied-message_EN" xlink:type="arc"/>
    <link:loc xlink:href="kvk-consolidated-balance-sheet-banks-for.xml#existenceAssertion_ConsolidatedBalanceSheetBanks_PrtExistence1" xlink:label="existenceAssertion_ConsolidatedBalanceSheetBanks_PrtExistence1_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-balance-sheet-banks-for.xml#valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit1" xlink:label="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit1_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-balance-sheet-banks-for.xml#valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit2" xlink:label="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit2_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-balance-sheet-banks-for.xml#valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit3" xlink:label="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit3_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-balance-sheet-banks-for.xml#valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit4" xlink:label="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit4_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-balance-sheet-banks-for.xml#valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit5" xlink:label="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit5_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-balance-sheet-banks-for.xml#valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit6" xlink:label="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit6_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-balance-sheet-banks-for.xml#valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit7" xlink:label="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit7_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-balance-sheet-banks-for.xml#valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit1" xlink:label="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit1_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-balance-sheet-banks-for.xml#valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit2" xlink:label="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit2_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-balance-sheet-banks-for.xml#valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit3" xlink:label="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit3_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-balance-sheet-banks-for.xml#valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit4" xlink:label="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit4_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-balance-sheet-banks-for.xml#valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit5" xlink:label="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit5_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-balance-sheet-banks-for.xml#valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit6" xlink:label="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit6_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-balance-sheet-banks-for.xml#valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit7" xlink:label="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit7_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-balance-sheet-banks-for.xml#valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit8" xlink:label="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit8_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-balance-sheet-banks-for.xml#valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST101Variable1" xlink:label="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST101Variable1_loc" xlink:type="locator"/>
    <msg:message id="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit5_assertion-unsatisfied-message_EN" xlink:label="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit5_assertion-unsatisfied-message_EN" xlink:role="http://www.xbrl.org/2010/role/message" xlink:type="resource" xml:lang="en">`Assets` SHOULD be equal to the summation of the underlying values. | {if (not(xff:has-fallback-value(xs:QName('varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit5_Assets')))) then ((for $v in $varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit5_Assets return concat("name:'",$v/name(),"', value:'",$v,"', @contextRef:'",$v/@contextRef,"', @unitRef:'",$v/@unitRef,"' | "))) else ''}{if (not(xff:has-fallback-value(xs:QName('varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit5_ChildrenOfAssetsDebit')))) then ((for $v in $varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit5_ChildrenOfAssetsDebit return concat("name:'",$v/name(),"', value:'",$v,"', @contextRef:'",$v/@contextRef,"', @unitRef:'",$v/@unitRef,"' | "))) else ''}{if (not(xff:has-fallback-value(xs:QName('varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit5_ChildrenOfAssetsCredit')))) then ((for $v in $varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit5_ChildrenOfAssetsCredit return concat("name:'",$v/name(),"', value:'",$v,"', @contextRef:'",$v/@contextRef,"', @unitRef:'",$v/@unitRef,"' | "))) else ''}</msg:message>
    <msg:message id="ConsolidatedBalanceSheetBanks_PrtExistence1_assertion-unsatisfied-message_EN" xlink:label="ConsolidatedBalanceSheetBanks_PrtExistence1_assertion-unsatisfied-message_EN" xlink:role="http://www.xbrl.org/2010/role/message" xlink:type="resource" xml:lang="en">`BalanceSheetBeforeAfterAppropriationResults` MUST exist at least once.</msg:message>
    <msg:message id="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit1_assertion-unsatisfied-message_EN" xlink:label="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit1_assertion-unsatisfied-message_EN" xlink:role="http://www.xbrl.org/2010/role/message" xlink:type="resource" xml:lang="en">`BondsOtherFixedIncomeSecurities` SHOULD be equal to the summation of the underlying values. | {if (not(xff:has-fallback-value(xs:QName('varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit1_BondsOtherFixedIncomeSecurities')))) then ((for $v in $varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit1_BondsOtherFixedIncomeSecurities return concat("name:'",$v/name(),"', value:'",$v,"', @contextRef:'",$v/@contextRef,"', @unitRef:'",$v/@unitRef,"' | "))) else ''}{if (not(xff:has-fallback-value(xs:QName('varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit1_ChildrenOfBondsOtherFixedIncomeSecuritiesDebit')))) then ((for $v in $varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit1_ChildrenOfBondsOtherFixedIncomeSecuritiesDebit return concat("name:'",$v/name(),"', value:'",$v,"', @contextRef:'",$v/@contextRef,"', @unitRef:'",$v/@unitRef,"' | "))) else ''}{if (not(xff:has-fallback-value(xs:QName('varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit1_ChildrenOfBondsOtherFixedIncomeSecuritiesCredit')))) then ((for $v in $varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit1_ChildrenOfBondsOtherFixedIncomeSecuritiesCredit return concat("name:'",$v/name(),"', value:'",$v,"', @contextRef:'",$v/@contextRef,"', @unitRef:'",$v/@unitRef,"' | "))) else ''}</msg:message>
    <msg:message id="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit7_assertion-unsatisfied-message_EN" xlink:label="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit7_assertion-unsatisfied-message_EN" xlink:role="http://www.xbrl.org/2010/role/message" xlink:type="resource" xml:lang="en">`DebtSecurities` SHOULD be equal to the summation of the underlying values. | {if (not(xff:has-fallback-value(xs:QName('varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit7_DebtSecurities')))) then ((for $v in $varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit7_DebtSecurities return concat("name:'",$v/name(),"', value:'",$v,"', @contextRef:'",$v/@contextRef,"', @unitRef:'",$v/@unitRef,"' | "))) else ''}{if (not(xff:has-fallback-value(xs:QName('varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit7_ChildrenOfDebtSecuritiesCredit')))) then ((for $v in $varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit7_ChildrenOfDebtSecuritiesCredit return concat("name:'",$v/name(),"', value:'",$v,"', @contextRef:'",$v/@contextRef,"', @unitRef:'",$v/@unitRef,"' | "))) else ''}{if (not(xff:has-fallback-value(xs:QName('varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit7_ChildrenOfDebtSecuritiesDebit')))) then ((for $v in $varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit7_ChildrenOfDebtSecuritiesDebit return concat("name:'",$v/name(),"', value:'",$v,"', @contextRef:'",$v/@contextRef,"', @unitRef:'",$v/@unitRef,"' | "))) else ''}</msg:message>
    <msg:message id="ConsolidatedBalanceSheetBanks_PrtFST101Variable1_assertion-unsatisfied-message_EN" xlink:label="ConsolidatedBalanceSheetBanks_PrtFST101Variable1_assertion-unsatisfied-message_EN" xlink:role="http://www.xbrl.org/2010/role/message" xlink:type="resource" xml:lang="en">`EquityAndLiabilities` SHOULD be equal to + `Assets`. | {if (not(xff:has-fallback-value(xs:QName('varArc_ConsolidatedBalanceSheetBanks_PrtFST101Variable1_EquityAndLiabilities')))) then ((for $v in $varArc_ConsolidatedBalanceSheetBanks_PrtFST101Variable1_EquityAndLiabilities return concat("name:'",$v/name(),"', value:'",$v,"', @contextRef:'",$v/@contextRef,"', @unitRef:'",$v/@unitRef,"' | "))) else ''}{if (not(xff:has-fallback-value(xs:QName('varArc_ConsolidatedBalanceSheetBanks_PrtFST101Variable1_Assets')))) then ((for $v in $varArc_ConsolidatedBalanceSheetBanks_PrtFST101Variable1_Assets return concat("name:'",$v/name(),"', value:'",$v,"', @contextRef:'",$v/@contextRef,"', @unitRef:'",$v/@unitRef,"' | "))) else ''}</msg:message>
    <msg:message id="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit1_assertion-unsatisfied-message_EN" xlink:label="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit1_assertion-unsatisfied-message_EN" xlink:role="http://www.xbrl.org/2010/role/message" xlink:type="resource" xml:lang="en">`EquityAndLiabilities` SHOULD be equal to the summation of the underlying values. | {if (not(xff:has-fallback-value(xs:QName('varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit1_EquityAndLiabilities')))) then ((for $v in $varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit1_EquityAndLiabilities return concat("name:'",$v/name(),"', value:'",$v,"', @contextRef:'",$v/@contextRef,"', @unitRef:'",$v/@unitRef,"' | "))) else ''}{if (not(xff:has-fallback-value(xs:QName('varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit1_ChildrenOfEquityAndLiabilitiesCredit')))) then ((for $v in $varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit1_ChildrenOfEquityAndLiabilitiesCredit return concat("name:'",$v/name(),"', value:'",$v,"', @contextRef:'",$v/@contextRef,"', @unitRef:'",$v/@unitRef,"' | "))) else ''}{if (not(xff:has-fallback-value(xs:QName('varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit1_ChildrenOfEquityAndLiabilitiesDebit')))) then ((for $v in $varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit1_ChildrenOfEquityAndLiabilitiesDebit return concat("name:'",$v/name(),"', value:'",$v,"', @contextRef:'",$v/@contextRef,"', @unitRef:'",$v/@unitRef,"' | "))) else ''}</msg:message>
    <msg:message id="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit2_assertion-unsatisfied-message_EN" xlink:label="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit2_assertion-unsatisfied-message_EN" xlink:role="http://www.xbrl.org/2010/role/message" xlink:type="resource" xml:lang="en">`EquityGroup` SHOULD be equal to the summation of the underlying values. | {if (not(xff:has-fallback-value(xs:QName('varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit2_EquityGroup')))) then ((for $v in $varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit2_EquityGroup return concat("name:'",$v/name(),"', value:'",$v,"', @contextRef:'",$v/@contextRef,"', @unitRef:'",$v/@unitRef,"' | "))) else ''}{if (not(xff:has-fallback-value(xs:QName('varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit2_ChildrenOfEquityGroupCredit')))) then ((for $v in $varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit2_ChildrenOfEquityGroupCredit return concat("name:'",$v/name(),"', value:'",$v,"', @contextRef:'",$v/@contextRef,"', @unitRef:'",$v/@unitRef,"' | "))) else ''}{if (not(xff:has-fallback-value(xs:QName('varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit2_ChildrenOfEquityGroupDebit')))) then ((for $v in $varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit2_ChildrenOfEquityGroupDebit return concat("name:'",$v/name(),"', value:'",$v,"', @contextRef:'",$v/@contextRef,"', @unitRef:'",$v/@unitRef,"' | "))) else ''}</msg:message>
    <msg:message id="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit6_assertion-unsatisfied-message_EN" xlink:label="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit6_assertion-unsatisfied-message_EN" xlink:role="http://www.xbrl.org/2010/role/message" xlink:type="resource" xml:lang="en">`IntangibleAssets` SHOULD be equal to the summation of the underlying values. | {if (not(xff:has-fallback-value(xs:QName('varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit6_IntangibleAssets')))) then ((for $v in $varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit6_IntangibleAssets return concat("name:'",$v/name(),"', value:'",$v,"', @contextRef:'",$v/@contextRef,"', @unitRef:'",$v/@unitRef,"' | "))) else ''}{if (not(xff:has-fallback-value(xs:QName('varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit6_ChildrenOfIntangibleAssetsDebit')))) then ((for $v in $varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit6_ChildrenOfIntangibleAssetsDebit return concat("name:'",$v/name(),"', value:'",$v,"', @contextRef:'",$v/@contextRef,"', @unitRef:'",$v/@unitRef,"' | "))) else ''}{if (not(xff:has-fallback-value(xs:QName('varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit6_ChildrenOfIntangibleAssetsCredit')))) then ((for $v in $varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit6_ChildrenOfIntangibleAssetsCredit return concat("name:'",$v/name(),"', value:'",$v,"', @contextRef:'",$v/@contextRef,"', @unitRef:'",$v/@unitRef,"' | "))) else ''}</msg:message>
    <msg:message id="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit3_assertion-unsatisfied-message_EN" xlink:label="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit3_assertion-unsatisfied-message_EN" xlink:role="http://www.xbrl.org/2010/role/message" xlink:type="resource" xml:lang="en">`InvestmentsInParticipatingInterestsInGroupCompanies` SHOULD be equal to the summation of the underlying values. | {if (not(xff:has-fallback-value(xs:QName('varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit3_InvestmentsInParticipatingInterestsInGroupCompanies')))) then ((for $v in $varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit3_InvestmentsInParticipatingInterestsInGroupCompanies return concat("name:'",$v/name(),"', value:'",$v,"', @contextRef:'",$v/@contextRef,"', @unitRef:'",$v/@unitRef,"' | "))) else ''}{if (not(xff:has-fallback-value(xs:QName('varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit3_ChildrenOfInvestmentsInParticipatingInterestsInGroupCompaniesDebit')))) then ((for $v in $varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit3_ChildrenOfInvestmentsInParticipatingInterestsInGroupCompaniesDebit return concat("name:'",$v/name(),"', value:'",$v,"', @contextRef:'",$v/@contextRef,"', @unitRef:'",$v/@unitRef,"' | "))) else ''}{if (not(xff:has-fallback-value(xs:QName('varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit3_ChildrenOfInvestmentsInParticipatingInterestsInGroupCompaniesCredit')))) then ((for $v in $varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit3_ChildrenOfInvestmentsInParticipatingInterestsInGroupCompaniesCredit return concat("name:'",$v/name(),"', value:'",$v,"', @contextRef:'",$v/@contextRef,"', @unitRef:'",$v/@unitRef,"' | "))) else ''}</msg:message>
    <msg:message id="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit4_assertion-unsatisfied-message_EN" xlink:label="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit4_assertion-unsatisfied-message_EN" xlink:role="http://www.xbrl.org/2010/role/message" xlink:type="resource" xml:lang="en">`InvestmentsInParticipatingInterestsOther` SHOULD be equal to the summation of the underlying values. | {if (not(xff:has-fallback-value(xs:QName('varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit4_InvestmentsInParticipatingInterestsOther')))) then ((for $v in $varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit4_InvestmentsInParticipatingInterestsOther return concat("name:'",$v/name(),"', value:'",$v,"', @contextRef:'",$v/@contextRef,"', @unitRef:'",$v/@unitRef,"' | "))) else ''}{if (not(xff:has-fallback-value(xs:QName('varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit4_ChildrenOfInvestmentsInParticipatingInterestsOtherDebit')))) then ((for $v in $varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit4_ChildrenOfInvestmentsInParticipatingInterestsOtherDebit return concat("name:'",$v/name(),"', value:'",$v,"', @contextRef:'",$v/@contextRef,"', @unitRef:'",$v/@unitRef,"' | "))) else ''}{if (not(xff:has-fallback-value(xs:QName('varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit4_ChildrenOfInvestmentsInParticipatingInterestsOtherCredit')))) then ((for $v in $varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit4_ChildrenOfInvestmentsInParticipatingInterestsOtherCredit return concat("name:'",$v/name(),"', value:'",$v,"', @contextRef:'",$v/@contextRef,"', @unitRef:'",$v/@unitRef,"' | "))) else ''}</msg:message>
    <msg:message id="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit4_assertion-unsatisfied-message_EN" xlink:label="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit4_assertion-unsatisfied-message_EN" xlink:role="http://www.xbrl.org/2010/role/message" xlink:type="resource" xml:lang="en">`PayablesBanks` SHOULD be equal to the summation of the underlying values. | {if (not(xff:has-fallback-value(xs:QName('varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit4_PayablesBanks')))) then ((for $v in $varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit4_PayablesBanks return concat("name:'",$v/name(),"', value:'",$v,"', @contextRef:'",$v/@contextRef,"', @unitRef:'",$v/@unitRef,"' | "))) else ''}{if (not(xff:has-fallback-value(xs:QName('varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit4_ChildrenOfPayablesBanksCredit')))) then ((for $v in $varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit4_ChildrenOfPayablesBanksCredit return concat("name:'",$v/name(),"', value:'",$v,"', @contextRef:'",$v/@contextRef,"', @unitRef:'",$v/@unitRef,"' | "))) else ''}{if (not(xff:has-fallback-value(xs:QName('varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit4_ChildrenOfPayablesBanksDebit')))) then ((for $v in $varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit4_ChildrenOfPayablesBanksDebit return concat("name:'",$v/name(),"', value:'",$v,"', @contextRef:'",$v/@contextRef,"', @unitRef:'",$v/@unitRef,"' | "))) else ''}</msg:message>
    <msg:message id="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit3_assertion-unsatisfied-message_EN" xlink:label="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit3_assertion-unsatisfied-message_EN" xlink:role="http://www.xbrl.org/2010/role/message" xlink:type="resource" xml:lang="en">`PayablesCustomersDeposits` SHOULD be equal to the summation of the underlying values. | {if (not(xff:has-fallback-value(xs:QName('varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit3_PayablesCustomersDeposits')))) then ((for $v in $varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit3_PayablesCustomersDeposits return concat("name:'",$v/name(),"', value:'",$v,"', @contextRef:'",$v/@contextRef,"', @unitRef:'",$v/@unitRef,"' | "))) else ''}{if (not(xff:has-fallback-value(xs:QName('varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit3_ChildrenOfPayablesCustomersDepositsCredit')))) then ((for $v in $varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit3_ChildrenOfPayablesCustomersDepositsCredit return concat("name:'",$v/name(),"', value:'",$v,"', @contextRef:'",$v/@contextRef,"', @unitRef:'",$v/@unitRef,"' | "))) else ''}{if (not(xff:has-fallback-value(xs:QName('varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit3_ChildrenOfPayablesCustomersDepositsDebit')))) then ((for $v in $varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit3_ChildrenOfPayablesCustomersDepositsDebit return concat("name:'",$v/name(),"', value:'",$v,"', @contextRef:'",$v/@contextRef,"', @unitRef:'",$v/@unitRef,"' | "))) else ''}</msg:message>
    <msg:message id="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit6_assertion-unsatisfied-message_EN" xlink:label="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit6_assertion-unsatisfied-message_EN" xlink:role="http://www.xbrl.org/2010/role/message" xlink:type="resource" xml:lang="en">`PayablesCustomersOtherLiabilities` SHOULD be equal to the summation of the underlying values. | {if (not(xff:has-fallback-value(xs:QName('varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit6_PayablesCustomersOtherLiabilities')))) then ((for $v in $varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit6_PayablesCustomersOtherLiabilities return concat("name:'",$v/name(),"', value:'",$v,"', @contextRef:'",$v/@contextRef,"', @unitRef:'",$v/@unitRef,"' | "))) else ''}{if (not(xff:has-fallback-value(xs:QName('varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit6_ChildrenOfPayablesCustomersOtherLiabilitiesCredit')))) then ((for $v in $varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit6_ChildrenOfPayablesCustomersOtherLiabilitiesCredit return concat("name:'",$v/name(),"', value:'",$v,"', @contextRef:'",$v/@contextRef,"', @unitRef:'",$v/@unitRef,"' | "))) else ''}{if (not(xff:has-fallback-value(xs:QName('varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit6_ChildrenOfPayablesCustomersOtherLiabilitiesDebit')))) then ((for $v in $varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit6_ChildrenOfPayablesCustomersOtherLiabilitiesDebit return concat("name:'",$v/name(),"', value:'",$v,"', @contextRef:'",$v/@contextRef,"', @unitRef:'",$v/@unitRef,"' | "))) else ''}</msg:message>
    <msg:message id="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit5_assertion-unsatisfied-message_EN" xlink:label="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit5_assertion-unsatisfied-message_EN" xlink:role="http://www.xbrl.org/2010/role/message" xlink:type="resource" xml:lang="en">`PayablesCustomers` SHOULD be equal to the summation of the underlying values. | {if (not(xff:has-fallback-value(xs:QName('varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit5_PayablesCustomers')))) then ((for $v in $varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit5_PayablesCustomers return concat("name:'",$v/name(),"', value:'",$v,"', @contextRef:'",$v/@contextRef,"', @unitRef:'",$v/@unitRef,"' | "))) else ''}{if (not(xff:has-fallback-value(xs:QName('varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit5_ChildrenOfPayablesCustomersCredit')))) then ((for $v in $varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit5_ChildrenOfPayablesCustomersCredit return concat("name:'",$v/name(),"', value:'",$v,"', @contextRef:'",$v/@contextRef,"', @unitRef:'",$v/@unitRef,"' | "))) else ''}{if (not(xff:has-fallback-value(xs:QName('varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit5_ChildrenOfPayablesCustomersDebit')))) then ((for $v in $varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit5_ChildrenOfPayablesCustomersDebit return concat("name:'",$v/name(),"', value:'",$v,"', @contextRef:'",$v/@contextRef,"', @unitRef:'",$v/@unitRef,"' | "))) else ''}</msg:message>
    <msg:message id="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit7_assertion-unsatisfied-message_EN" xlink:label="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit7_assertion-unsatisfied-message_EN" xlink:role="http://www.xbrl.org/2010/role/message" xlink:type="resource" xml:lang="en">`PropertyPlantEquipment` SHOULD be equal to the summation of the underlying values. | {if (not(xff:has-fallback-value(xs:QName('varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit7_PropertyPlantEquipment')))) then ((for $v in $varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit7_PropertyPlantEquipment return concat("name:'",$v/name(),"', value:'",$v,"', @contextRef:'",$v/@contextRef,"', @unitRef:'",$v/@unitRef,"' | "))) else ''}{if (not(xff:has-fallback-value(xs:QName('varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit7_ChildrenOfPropertyPlantEquipmentDebit')))) then ((for $v in $varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit7_ChildrenOfPropertyPlantEquipmentDebit return concat("name:'",$v/name(),"', value:'",$v,"', @contextRef:'",$v/@contextRef,"', @unitRef:'",$v/@unitRef,"' | "))) else ''}{if (not(xff:has-fallback-value(xs:QName('varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit7_ChildrenOfPropertyPlantEquipmentCredit')))) then ((for $v in $varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit7_ChildrenOfPropertyPlantEquipmentCredit return concat("name:'",$v/name(),"', value:'",$v,"', @contextRef:'",$v/@contextRef,"', @unitRef:'",$v/@unitRef,"' | "))) else ''}</msg:message>
    <msg:message id="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit2_assertion-unsatisfied-message_EN" xlink:label="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit2_assertion-unsatisfied-message_EN" xlink:role="http://www.xbrl.org/2010/role/message" xlink:type="resource" xml:lang="en">`ReceivablesFromBanks` SHOULD be equal to the summation of the underlying values. | {if (not(xff:has-fallback-value(xs:QName('varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit2_ReceivablesFromBanks')))) then ((for $v in $varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit2_ReceivablesFromBanks return concat("name:'",$v/name(),"', value:'",$v,"', @contextRef:'",$v/@contextRef,"', @unitRef:'",$v/@unitRef,"' | "))) else ''}{if (not(xff:has-fallback-value(xs:QName('varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit2_ChildrenOfReceivablesFromBanksDebit')))) then ((for $v in $varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit2_ChildrenOfReceivablesFromBanksDebit return concat("name:'",$v/name(),"', value:'",$v,"', @contextRef:'",$v/@contextRef,"', @unitRef:'",$v/@unitRef,"' | "))) else ''}{if (not(xff:has-fallback-value(xs:QName('varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit2_ChildrenOfReceivablesFromBanksCredit')))) then ((for $v in $varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit2_ChildrenOfReceivablesFromBanksCredit return concat("name:'",$v/name(),"', value:'",$v,"', @contextRef:'",$v/@contextRef,"', @unitRef:'",$v/@unitRef,"' | "))) else ''}</msg:message>
    <msg:message id="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit8_assertion-unsatisfied-message_EN" xlink:label="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit8_assertion-unsatisfied-message_EN" xlink:role="http://www.xbrl.org/2010/role/message" xlink:type="resource" xml:lang="en">`ReceivablesFromCustomers` SHOULD be equal to the summation of the underlying values. | {if (not(xff:has-fallback-value(xs:QName('varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit8_ReceivablesFromCustomers')))) then ((for $v in $varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit8_ReceivablesFromCustomers return concat("name:'",$v/name(),"', value:'",$v,"', @contextRef:'",$v/@contextRef,"', @unitRef:'",$v/@unitRef,"' | "))) else ''}{if (not(xff:has-fallback-value(xs:QName('varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit8_ChildrenOfReceivablesFromCustomersDebit')))) then ((for $v in $varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit8_ChildrenOfReceivablesFromCustomersDebit return concat("name:'",$v/name(),"', value:'",$v,"', @contextRef:'",$v/@contextRef,"', @unitRef:'",$v/@unitRef,"' | "))) else ''}{if (not(xff:has-fallback-value(xs:QName('varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit8_ChildrenOfReceivablesFromCustomersCredit')))) then ((for $v in $varArc_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit8_ChildrenOfReceivablesFromCustomersCredit return concat("name:'",$v/name(),"', value:'",$v,"', @contextRef:'",$v/@contextRef,"', @unitRef:'",$v/@unitRef,"' | "))) else ''}</msg:message>
  </gen:link>
</link:linkbase>
