Exhibit 7

RATIOS OF EARNINGS TO FIXED CHARGES AND PREFERRED STOCK DIVIDEND REQUIREMENTS *

	IFRS			IFRS			IFRS			IFRS		IFRS
	2011			2012			2013			2014		2015
Total interest expense from the banking operations		51,200			48,119			39,693			35,859		33,760
Other interest expenses		380			464			461			—		—
Interest credited on investment contracts and universal life-type contracts (FAS 97)		339			492			193			—		—
Total interest expense		51,919			49,075			40,347			35,859		33,760
Capitalized interest during construction		—			—			—			—		—
Total Charges		51,919			49,075			40,347			35,859		33,760
Dividend in preference shares		—			—			—			—		—
Dividend in preference shares - TIER1 capital		—			—			—			—		—
Total Charges inclusive Dividend in preference shares		51,919			49,075			40,347			35,859		33,760
Pre tax profit		5,076			3,385			5,973			3,361		7,334
Total interest expense		51,919			49,075			40,347			35,859		33,760
Losses from investments accounted under the equity method 1)		(33	)		(157	)		(246	)		—		—
Total		56,962			52,136			46,014			39,220		41,094
Earnings to Fixed Charges:
Including Interest on Deposits		1.10			1.06			1.14			1.09		1.22
Earnings to Combined Fixed Charges and Preferred Stock
Dividend:
Including Interest on Deposits		1.10			1.06			1.14			1.09		1.22

* the figures over 2013 and 2012 are restated

1) Losses from investments accounted under the equity method were mainly due to associates of NN-Group and Voya. In 2014 these are moved to Held for sale/Discontinued. Bank Associates have no losses.