<?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: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">
  <link:roleRef roleURI="urn:kvk:linkrole:balance-sheet-banks" xlink:href="../dictionary/kvk-linkroles-banks.xsd#kvk-lr-b_BalanceSheetBanks" xlink:type="simple"/>
  <link:arcroleRef arcroleURI="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:href="http://www.nltaxonomie.nl/2019/xbrl/sbr-arcroles-2019.xsd#sbr-arc-2019_ParentChildSummation" xlink:type="simple"/>
  <gen:link xlink:role="urn:kvk:linkrole:balance-sheet-banks" xlink:type="extended">
    <gen:arc order="1" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_Assets_loc" xlink:to="jenv-bw2-i_CashInHand_loc" xlink:type="arc"/>
    <gen:arc order="2" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_Assets_loc" xlink:to="jenv-bw2-i_GovernmentSecuritiesForCentralBankRefinancing_loc" xlink:type="arc"/>
    <gen:arc order="3" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_Assets_loc" xlink:to="jenv-bw2-i_ReceivablesFromBanks_loc" xlink:type="arc"/>
    <gen:arc order="4" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_Assets_loc" xlink:to="jenv-bw2-i_ReceivablesFromCustomers_loc" xlink:type="arc"/>
    <gen:arc order="5" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_Assets_loc" xlink:to="jenv-bw2-i_BondsOtherFixedIncomeSecurities_loc" xlink:type="arc"/>
    <gen:arc order="6" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_Assets_loc" xlink:to="jenv-bw2-i_SharesOtherVariableYieldSecurities_loc" xlink:type="arc"/>
    <gen:arc order="7" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_Assets_loc" xlink:to="jenv-bw2-i_InvestmentsInParticipatingInterestsInGroupCompanies_loc" xlink:type="arc"/>
    <gen:arc order="8" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_Assets_loc" xlink:to="jenv-bw2-i_InvestmentsInParticipatingInterestsOther_loc" xlink:type="arc"/>
    <gen:arc order="9" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_Assets_loc" xlink:to="jenv-bw2-i_IntangibleAssets_loc" xlink:type="arc"/>
    <gen:arc order="10" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_Assets_loc" xlink:to="jenv-bw2-i_PropertyPlantEquipment_loc" xlink:type="arc"/>
    <gen:arc order="11" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_Assets_loc" xlink:to="jenv-bw2-i_AssetsOther_loc" xlink:type="arc"/>
    <gen:arc order="12" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_Assets_loc" xlink:to="jenv-bw2-i_CalledUpShareCapital_loc" xlink:type="arc"/>
    <gen:arc order="13" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_Assets_loc" xlink:to="jenv-bw2-i_AccruedIncome_loc" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_BondsOtherFixedIncomeSecurities_loc" xlink:to="jenv-bw2-i_BondsOtherFixedIncomeSecuritiesPublicIssuers_loc" xlink:type="arc"/>
    <gen:arc order="2" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_BondsOtherFixedIncomeSecurities_loc" xlink:to="jenv-bw2-i_BondsOtherFixedIncomeSecuritiesOtherIssuers_loc" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_DebtSecurities_loc" xlink:to="jenv-bw2-i_BondsOtherFixedInterestDebtSecurities_loc" xlink:type="arc"/>
    <gen:arc order="2" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_DebtSecurities_loc" xlink:to="jenv-bw2-i_MortgageBonds_loc" xlink:type="arc"/>
    <gen:arc order="3" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_DebtSecurities_loc" xlink:to="jenv-bw2-i_DebtSecuritiesOther_loc" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_EquityAndLiabilities_loc" xlink:to="jenv-bw2-i_PayablesBanks_loc" xlink:type="arc"/>
    <gen:arc order="2" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_EquityAndLiabilities_loc" xlink:to="jenv-bw2-i_PayablesCustomers_loc" xlink:type="arc"/>
    <gen:arc order="3" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_EquityAndLiabilities_loc" xlink:to="jenv-bw2-i_DebtSecurities_loc" xlink:type="arc"/>
    <gen:arc order="4" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_EquityAndLiabilities_loc" xlink:to="jenv-bw2-i_PayablesOther_loc" xlink:type="arc"/>
    <gen:arc order="5" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_EquityAndLiabilities_loc" xlink:to="jenv-bw2-i_AccrualsAndDeferredIncome_loc" xlink:type="arc"/>
    <gen:arc order="6" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_EquityAndLiabilities_loc" xlink:to="jenv-bw2-i_Provisions_loc" xlink:type="arc"/>
    <gen:arc order="7" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_EquityAndLiabilities_loc" xlink:to="jenv-bw2-i_GeneralBankingRisksReserve_loc" xlink:type="arc"/>
    <gen:arc order="8" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_EquityAndLiabilities_loc" xlink:to="jenv-bw2-i_SubordinatedLiabilities_loc" xlink:type="arc"/>
    <gen:arc order="9" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_EquityAndLiabilities_loc" xlink:to="jenv-bw2-i_Equity_loc" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_Equity_loc" xlink:to="jenv-bw2-i_ShareCapitalPaidCalledUp_loc" xlink:type="arc"/>
    <gen:arc order="2" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_Equity_loc" xlink:to="jenv-bw2-i_SharePremium_loc" xlink:type="arc"/>
    <gen:arc order="3" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_Equity_loc" xlink:to="jenv-bw2-i_RevaluationReserve_loc" xlink:type="arc"/>
    <gen:arc order="4" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_Equity_loc" xlink:to="jenv-bw2-i_LegalStatutoryReserves_loc" xlink:type="arc"/>
    <gen:arc order="5" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_Equity_loc" xlink:to="rj-i_FinancialInstrumentsLegalFormClassifiedAsEquity_loc" xlink:type="arc"/>
    <gen:arc order="6" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_Equity_loc" xlink:to="jenv-bw2-i_ReservesOther_loc" xlink:type="arc"/>
    <gen:arc order="7" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_Equity_loc" xlink:to="jenv-bw2-i_RetainedEarnings_loc" xlink:type="arc"/>
    <gen:arc order="8" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_Equity_loc" xlink:to="rj-i_DividendPayableHoldersSharesRecordedAsEquity_loc" xlink:type="arc"/>
    <gen:arc order="9" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_Equity_loc" xlink:to="jenv-bw2-i_ResultForTheYear_loc" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_IntangibleAssets_loc" xlink:to="jenv-bw2-i_CostsIncorporationShareIssue_loc" xlink:type="arc"/>
    <gen:arc order="2" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_IntangibleAssets_loc" xlink:to="jenv-bw2-i_DevelopmentCosts_loc" xlink:type="arc"/>
    <gen:arc order="3" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_IntangibleAssets_loc" xlink:to="jenv-bw2-i_PatentsTrademarksOtherRights_loc" xlink:type="arc"/>
    <gen:arc order="4" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_IntangibleAssets_loc" xlink:to="jenv-bw2-i_Goodwill_loc" xlink:type="arc"/>
    <gen:arc order="5" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_IntangibleAssets_loc" xlink:to="jenv-bw2-i_PrepaymentsIntangibleAssets_loc" xlink:type="arc"/>
    <gen:arc order="6" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_IntangibleAssets_loc" xlink:to="rj-i_IntangibleAssetsOther_loc" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_InvestmentsInParticipatingInterestsInGroupCompanies_loc" xlink:to="jenv-bw2-i_InvestmentsInParticipatingInterestsInGroupCompaniesCreditInstitutions_loc" xlink:type="arc"/>
    <gen:arc order="2" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_InvestmentsInParticipatingInterestsInGroupCompanies_loc" xlink:to="jenv-bw2-i_InvestmentsInParticipatingInterestsInGroupCompaniesOther_loc" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_InvestmentsInParticipatingInterestsOther_loc" xlink:to="jenv-bw2-i_InvestmentsInParticipatingInterestsOtherCreditInstitutions_loc" xlink:type="arc"/>
    <gen:arc order="2" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_InvestmentsInParticipatingInterestsOther_loc" xlink:to="jenv-bw2-i_InvestmentsInOtherParticipatingInterestsOther_loc" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_LegalStatutoryReserves_loc" xlink:to="jenv-bw2-i_LegalReserves_loc" xlink:type="arc"/>
    <gen:arc order="2" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_LegalStatutoryReserves_loc" xlink:to="jenv-bw2-i_StatutoryReserves_loc" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_PayablesBanks_loc" xlink:to="jenv-bw2-i_PayablesCreditInstitutionsPayableUponDemand_loc" xlink:type="arc"/>
    <gen:arc order="2" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_PayablesBanks_loc" xlink:to="jenv-bw2-i_PayablesCreditInstitutionsOther_loc" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_PayablesCustomersDeposits_loc" xlink:to="jenv-bw2-i_PayablesCustomersDepositsPayableUponDemand_loc" xlink:type="arc"/>
    <gen:arc order="2" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_PayablesCustomersDeposits_loc" xlink:to="jenv-bw2-i_PayablesCustomersDepositsOther_loc" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_PayablesCustomersOtherLiabilities_loc" xlink:to="jenv-bw2-i_PayablesCustomersOtherPayableUponDemand_loc" xlink:type="arc"/>
    <gen:arc order="2" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_PayablesCustomersOtherLiabilities_loc" xlink:to="jenv-bw2-i_PayablesCustomersOtherOther_loc" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_PayablesCustomers_loc" xlink:to="jenv-bw2-i_PayablesCustomersDeposits_loc" xlink:type="arc"/>
    <gen:arc order="2" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_PayablesCustomers_loc" xlink:to="jenv-bw2-i_PayablesCustomersOtherLiabilities_loc" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_PropertyPlantEquipment_loc" xlink:to="jenv-bw2-i_LandAndBuildingsForOwnUse_loc" xlink:type="arc"/>
    <gen:arc order="2" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_PropertyPlantEquipment_loc" xlink:to="jenv-bw2-i_PropertyPlantEquipmentOther_loc" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_ReceivablesFromBanks_loc" xlink:to="jenv-bw2-i_ReceivablesFromBanksPayableUponDemand_loc" xlink:type="arc"/>
    <gen:arc order="2" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_ReceivablesFromBanks_loc" xlink:to="jenv-bw2-i_ReceivablesFromBanksOther_loc" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_ReceivablesFromCustomers_loc" xlink:to="jenv-bw2-i_ReceivablesFromCustomersArisingFromMortgageLoans_loc" xlink:type="arc"/>
    <gen:arc order="2" xlink:arcrole="http://www.nltaxonomie.nl/2019/sbr-arcrole-2019/ParentChildSummation" xlink:from="jenv-bw2-i_ReceivablesFromCustomers_loc" xlink:to="jenv-bw2-i_ReceivablesFromCustomersOther_loc" xlink:type="arc"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_AccrualsAndDeferredIncome" xlink:label="jenv-bw2-i_AccrualsAndDeferredIncome_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_AccruedIncome" xlink:label="jenv-bw2-i_AccruedIncome_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_AssetsOther" xlink:label="jenv-bw2-i_AssetsOther_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_Assets" xlink:label="jenv-bw2-i_Assets_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_BondsOtherFixedIncomeSecuritiesOtherIssuers" xlink:label="jenv-bw2-i_BondsOtherFixedIncomeSecuritiesOtherIssuers_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_BondsOtherFixedIncomeSecuritiesPublicIssuers" xlink:label="jenv-bw2-i_BondsOtherFixedIncomeSecuritiesPublicIssuers_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_BondsOtherFixedIncomeSecurities" xlink:label="jenv-bw2-i_BondsOtherFixedIncomeSecurities_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_BondsOtherFixedInterestDebtSecurities" xlink:label="jenv-bw2-i_BondsOtherFixedInterestDebtSecurities_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_CalledUpShareCapital" xlink:label="jenv-bw2-i_CalledUpShareCapital_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_CashInHand" xlink:label="jenv-bw2-i_CashInHand_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_CostsIncorporationShareIssue" xlink:label="jenv-bw2-i_CostsIncorporationShareIssue_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_DebtSecuritiesOther" xlink:label="jenv-bw2-i_DebtSecuritiesOther_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_DebtSecurities" xlink:label="jenv-bw2-i_DebtSecurities_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_DevelopmentCosts" xlink:label="jenv-bw2-i_DevelopmentCosts_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_EquityAndLiabilities" xlink:label="jenv-bw2-i_EquityAndLiabilities_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_Equity" xlink:label="jenv-bw2-i_Equity_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_GeneralBankingRisksReserve" xlink:label="jenv-bw2-i_GeneralBankingRisksReserve_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_Goodwill" xlink:label="jenv-bw2-i_Goodwill_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_GovernmentSecuritiesForCentralBankRefinancing" xlink:label="jenv-bw2-i_GovernmentSecuritiesForCentralBankRefinancing_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_IntangibleAssets" xlink:label="jenv-bw2-i_IntangibleAssets_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_InvestmentsInOtherParticipatingInterestsOther" xlink:label="jenv-bw2-i_InvestmentsInOtherParticipatingInterestsOther_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_InvestmentsInParticipatingInterestsInGroupCompaniesCreditInstitutions" xlink:label="jenv-bw2-i_InvestmentsInParticipatingInterestsInGroupCompaniesCreditInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_InvestmentsInParticipatingInterestsInGroupCompaniesOther" xlink:label="jenv-bw2-i_InvestmentsInParticipatingInterestsInGroupCompaniesOther_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_InvestmentsInParticipatingInterestsInGroupCompanies" xlink:label="jenv-bw2-i_InvestmentsInParticipatingInterestsInGroupCompanies_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_InvestmentsInParticipatingInterestsOtherCreditInstitutions" xlink:label="jenv-bw2-i_InvestmentsInParticipatingInterestsOtherCreditInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_InvestmentsInParticipatingInterestsOther" xlink:label="jenv-bw2-i_InvestmentsInParticipatingInterestsOther_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_LandAndBuildingsForOwnUse" xlink:label="jenv-bw2-i_LandAndBuildingsForOwnUse_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_LegalReserves" xlink:label="jenv-bw2-i_LegalReserves_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_LegalStatutoryReserves" xlink:label="jenv-bw2-i_LegalStatutoryReserves_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_MortgageBonds" xlink:label="jenv-bw2-i_MortgageBonds_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_PatentsTrademarksOtherRights" xlink:label="jenv-bw2-i_PatentsTrademarksOtherRights_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_PayablesBanks" xlink:label="jenv-bw2-i_PayablesBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_PayablesCreditInstitutionsOther" xlink:label="jenv-bw2-i_PayablesCreditInstitutionsOther_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_PayablesCreditInstitutionsPayableUponDemand" xlink:label="jenv-bw2-i_PayablesCreditInstitutionsPayableUponDemand_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_PayablesCustomersDepositsOther" xlink:label="jenv-bw2-i_PayablesCustomersDepositsOther_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_PayablesCustomersDepositsPayableUponDemand" xlink:label="jenv-bw2-i_PayablesCustomersDepositsPayableUponDemand_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_PayablesCustomersDeposits" xlink:label="jenv-bw2-i_PayablesCustomersDeposits_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_PayablesCustomersOtherLiabilities" xlink:label="jenv-bw2-i_PayablesCustomersOtherLiabilities_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_PayablesCustomersOtherOther" xlink:label="jenv-bw2-i_PayablesCustomersOtherOther_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_PayablesCustomersOtherPayableUponDemand" xlink:label="jenv-bw2-i_PayablesCustomersOtherPayableUponDemand_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_PayablesCustomers" xlink:label="jenv-bw2-i_PayablesCustomers_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_PayablesOther" xlink:label="jenv-bw2-i_PayablesOther_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_PrepaymentsIntangibleAssets" xlink:label="jenv-bw2-i_PrepaymentsIntangibleAssets_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_PropertyPlantEquipmentOther" xlink:label="jenv-bw2-i_PropertyPlantEquipmentOther_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_PropertyPlantEquipment" xlink:label="jenv-bw2-i_PropertyPlantEquipment_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_Provisions" xlink:label="jenv-bw2-i_Provisions_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_ReceivablesFromBanksOther" xlink:label="jenv-bw2-i_ReceivablesFromBanksOther_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_ReceivablesFromBanksPayableUponDemand" xlink:label="jenv-bw2-i_ReceivablesFromBanksPayableUponDemand_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_ReceivablesFromBanks" xlink:label="jenv-bw2-i_ReceivablesFromBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_ReceivablesFromCustomersArisingFromMortgageLoans" xlink:label="jenv-bw2-i_ReceivablesFromCustomersArisingFromMortgageLoans_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_ReceivablesFromCustomersOther" xlink:label="jenv-bw2-i_ReceivablesFromCustomersOther_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_ReceivablesFromCustomers" xlink:label="jenv-bw2-i_ReceivablesFromCustomers_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_ReservesOther" xlink:label="jenv-bw2-i_ReservesOther_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_ResultForTheYear" xlink:label="jenv-bw2-i_ResultForTheYear_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_RetainedEarnings" xlink:label="jenv-bw2-i_RetainedEarnings_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_RevaluationReserve" xlink:label="jenv-bw2-i_RevaluationReserve_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_ShareCapitalPaidCalledUp" xlink:label="jenv-bw2-i_ShareCapitalPaidCalledUp_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_SharePremium" xlink:label="jenv-bw2-i_SharePremium_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_SharesOtherVariableYieldSecurities" xlink:label="jenv-bw2-i_SharesOtherVariableYieldSecurities_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_StatutoryReserves" xlink:label="jenv-bw2-i_StatutoryReserves_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_SubordinatedLiabilities" xlink:label="jenv-bw2-i_SubordinatedLiabilities_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../rj/20261209.a/dictionary/rj-data.xsd#rj-i_DividendPayableHoldersSharesRecordedAsEquity" xlink:label="rj-i_DividendPayableHoldersSharesRecordedAsEquity_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../rj/20261209.a/dictionary/rj-data.xsd#rj-i_FinancialInstrumentsLegalFormClassifiedAsEquity" xlink:label="rj-i_FinancialInstrumentsLegalFormClassifiedAsEquity_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../rj/20261209.a/dictionary/rj-data.xsd#rj-i_IntangibleAssetsOther" xlink:label="rj-i_IntangibleAssetsOther_loc" xlink:type="locator"/>
  </gen:link>
</link:linkbase>
