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.
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