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New words:
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366 | Additional information |
Exhibit 7
RATIO OF EARNINGS TO FIXED CHARGES
Year ended December 31, | 2014 | 2013 | 2012 | 2011 | 2010 | |||||||||||||||
Earnings: | ||||||||||||||||||||
Income before taxes | 889 | 1,189 | 2,005 | 1,027 | 1,727 | |||||||||||||||
Add: Fixed charges included in earnings | 1,542 | 1,746 | 2,151 | 2,148 | 2,438 | |||||||||||||||
(A) Total Earnings | 2,432 | 2,934 | 4,156 | 3,175 | 4,165 | |||||||||||||||
Fixed charges: | ||||||||||||||||||||
Interest | 371 | 355 | 519 | 491 | 426 | |||||||||||||||
Interest on fixed annuities, investment contracts and savings accounts | 1,171 | 1,391 | 1,632 | 1,657 | 2,012 | |||||||||||||||
Sub-total fixed charges included in earnings | 1,542 | 1,746 | 2,151 | 2,148 | 2,438 | |||||||||||||||
Dividend on preferred shares | - | 24 | 59 | 59 | 59 | |||||||||||||||
Coupons on perpetual capital securities | 171 | 194 | 230 | 237 | 251 | |||||||||||||||
Coupons on Non-Cumulative Subordinated Notes | 32 | 28 | 30 | - | - | |||||||||||||||
(B) Total fixed charges | 1,744 | 1,992 | 2,470 | 2,444 | 2,748 | |||||||||||||||
Ratio: (A) / (B) | 1.4 | 1.5 | 1.7 | 1.3 | 1.5 | |||||||||||||||
Ratio excluding interest on fixed annuities, investment contracts and savings accounts | 2.2 | 2.6 | 3.0 | 1.9 | 2.9 |
Annual Report on Form 20-F 2014 |