<?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
-->
<link:linkbase xmlns:gen="http://xbrl.org/2008/generic" xmlns:label="http://xbrl.org/2008/label" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://xbrl.org/2008/generic http://www.xbrl.org/2008/generic-link.xsd http://xbrl.org/2008/label http://www.xbrl.org/2008/generic-label.xsd">
  <link:roleRef roleURI="http://www.xbrl.org/2008/role/label" xlink:href="http://www.xbrl.org/2008/generic-label.xsd#standard-label" xlink:type="simple"/>
  <link:roleRef roleURI="urn:kvk:linkrole:consolidated-income-statement-banks" xlink:href="../dictionary/kvk-linkroles-banks.xsd#kvk-lr-b_ConsolidatedIncomeStatementBanks" xlink:type="simple"/>
  <link:arcroleRef arcroleURI="http://xbrl.org/arcrole/2008/element-label" xlink:href="http://www.xbrl.org/2008/generic-label.xsd#element-label" xlink:type="simple"/>
  <gen:link xlink:role="urn:kvk:linkrole:consolidated-income-statement-banks" xlink:type="extended">
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1Exist02ANDThnExist01Params1_loc" xlink:to="ConsolidatedIncomeStatementBanks_PrtFST1Exist02ANDThnExist01Params1_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1Exist02ANDThnExist01Params2_loc" xlink:to="ConsolidatedIncomeStatementBanks_PrtFST1Exist02ANDThnExist01Params2_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1ExistenceThnExistenceCovU1_loc" xlink:to="ConsolidatedIncomeStatementBanks_PrtFST1ExistenceThnExistenceCovU1_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit1_loc" xlink:to="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit1_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit2_loc" xlink:to="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit2_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit3_loc" xlink:to="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit3_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit4_loc" xlink:to="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit4_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit5_loc" xlink:to="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit5_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit6_loc" xlink:to="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit6_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit7_loc" xlink:to="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit7_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit8_loc" xlink:to="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit8_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentDebit1_loc" xlink:to="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentDebit1_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentDebit2_loc" xlink:to="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentDebit2_label_EN" xlink:type="arc"/>
    <label:label id="ConsolidatedIncomeStatementBanks_PrtFST1Exist02ANDThnExist01Params2_label_EN" xlink:label="ConsolidatedIncomeStatementBanks_PrtFST1Exist02ANDThnExist01Params2_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">If `NetResultAfterTax` (at the end of / during the current period) and `ResultAfterTax` (at the end of / during the previous period) are reported `NetResultAfterTax` (at the end of / during the previous period) SHOULD be reported as well.</label:label>
    <label:label id="ConsolidatedIncomeStatementBanks_PrtFST1Exist02ANDThnExist01Params1_label_EN" xlink:label="ConsolidatedIncomeStatementBanks_PrtFST1Exist02ANDThnExist01Params1_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">If `NetResultAfterTax` (at the end of / during the previous period) and `ResultAfterTax` (at the end of / during the current period) are reported `NetResultAfterTax` (at the end of / during the current period) SHOULD be reported as well.</label:label>
    <label:label id="ConsolidatedIncomeStatementBanks_PrtFST1ExistenceThnExistenceCovU1_label_EN" xlink:label="ConsolidatedIncomeStatementBanks_PrtFST1ExistenceThnExistenceCovU1_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When `ResultAttributableNoncontrollingInterest` is reported then `NetResultAfterTax` SHOULD exist at least once within the same context.</label:label>
    <label:label id="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentDebit2_label_EN" xlink:label="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentDebit2_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`EmployeeBenefitsAndOtherAdministrativeExpenses` SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit7_label_EN" xlink:label="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit7_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`IncomeFromSecuritiesAndInvestmentsInParticipatingInterests` SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit8_label_EN" xlink:label="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit8_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`InterestIncomeRelatedIncome` SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit6_label_EN" xlink:label="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit6_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`NetResultAfterTax` SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentDebit1_label_EN" xlink:label="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentDebit1_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`OperatingExpenses` SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit2_label_EN" xlink:label="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit2_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`OperatingIncome` SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit3_label_EN" xlink:label="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit3_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`ResultAfterTaxExtraordinaryItems` SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit5_label_EN" xlink:label="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit5_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`ResultAfterTaxOrdinaryActivities` SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit1_label_EN" xlink:label="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit1_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`ResultAfterTax` SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit4_label_EN" xlink:label="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit4_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`ResultBeforeTaxOrdinaryActivities` SHOULD be equal to the summation of the underlying values.</label:label>
    <link:loc xlink:href="kvk-consolidated-income-statement-banks-for.xml#valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1Exist02ANDThnExist01Params1" xlink:label="valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1Exist02ANDThnExist01Params1_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-income-statement-banks-for.xml#valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1Exist02ANDThnExist01Params2" xlink:label="valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1Exist02ANDThnExist01Params2_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-income-statement-banks-for.xml#valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1ExistenceThnExistenceCovU1" xlink:label="valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1ExistenceThnExistenceCovU1_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-income-statement-banks-for.xml#valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit1" xlink:label="valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit1_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-income-statement-banks-for.xml#valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit2" xlink:label="valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit2_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-income-statement-banks-for.xml#valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit3" xlink:label="valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit3_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-income-statement-banks-for.xml#valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit4" xlink:label="valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit4_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-income-statement-banks-for.xml#valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit5" xlink:label="valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit5_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-income-statement-banks-for.xml#valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit6" xlink:label="valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit6_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-income-statement-banks-for.xml#valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit7" xlink:label="valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit7_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-income-statement-banks-for.xml#valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit8" xlink:label="valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit8_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-income-statement-banks-for.xml#valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentDebit1" xlink:label="valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentDebit1_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-income-statement-banks-for.xml#valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentDebit2" xlink:label="valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentDebit2_loc" xlink:type="locator"/>
  </gen:link>
</link:linkbase>
