<?xml version="1.0" encoding="utf-8"?>

<!-- This file is part of the Dutch Taxonomy            -->
<!-- Intellectual Property State of the Netherlands     -->
<!-- Version NTP Version 1.1                            -->
<!-- Released by Dutch Taxonomy Project www.xbrl-ntp.nl -->
<!-- Release date Thu Mar  8 11:45:48 GMT 2007   -->
 
<linkbase xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" xmlns="http://www.xbrl.org/2003/linkbase" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xlink="http://www.w3.org/1999/xlink">
  <roleRef xlink:type="simple" xlink:href="ifrs-gp-roles-2005-05-15.xsd#AccountingPoliciesFinancialInstitutions" roleURI="http://xbrl.iasb.org/int/fr/ifrs/gp/role/AccountingPoliciesFinancialInstitutions"/>
<presentationLink xlink:type="extended" xlink:role="http://xbrl.iasb.org/int/fr/ifrs/gp/role/AccountingPoliciesFinancialInstitutions" xlink:title="Accounting Policies, Financial Institutions" xmlns="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink">
    <loc xlink:type="locator" xlink:href="ifrs-gp-2005-05-15.xsd#ifrs-gp_AccountingPoliciesPresentation" xlink:label="ifrs-gp_AccountingPoliciesPresentation"/>
    <loc xlink:type="locator" xlink:href="ifrs-gp-2005-05-15.xsd#ifrs-gp_AssetsPoliciesPresentation" xlink:label="ifrs-gp_AssetsPoliciesPresentation"/>
    <loc xlink:type="locator" xlink:href="ifrs-gp-2005-05-15.xsd#ifrs-gp_EquityAndLiabilitiesPoliciesPresentation" xlink:label="ifrs-gp_EquityAndLiabilitiesPoliciesPresentation"/>
    <loc xlink:type="locator" xlink:href="ifrs-gp-2005-05-15.xsd#ifrs-gp_DepositsPolicy" xlink:label="ifrs-gp_DepositsPolicy"/>
    <loc xlink:type="locator" xlink:href="ifrs-gp-2005-05-15.xsd#ifrs-gp_DebenturesAndDebtCertificatesPolicy" xlink:label="ifrs-gp_DebenturesAndDebtCertificatesPolicy"/>
    <loc xlink:type="locator" xlink:href="ifrs-gp-2005-05-15.xsd#ifrs-gp_SubordinatedLiabilitiesPolicy" xlink:label="ifrs-gp_SubordinatedLiabilitiesPolicy"/>
    <loc xlink:type="locator" xlink:href="ifrs-gp-2005-05-15.xsd#ifrs-gp_ShareCapitalRepayableOnDemandCooperativesPolicy" xlink:label="ifrs-gp_ShareCapitalRepayableOnDemandCooperativesPolicy"/>
    <loc xlink:type="locator" xlink:href="ifrs-gp-2005-05-15.xsd#ifrs-gp_IncomeStatementPoliciesPresentation" xlink:label="ifrs-gp_IncomeStatementPoliciesPresentation"/>
    <loc xlink:type="locator" xlink:href="ifrs-gp-2005-05-15.xsd#ifrs-gp_RevenueRecognitionPolicy" xlink:label="ifrs-gp_RevenueRecognitionPolicy"/>
    <loc xlink:type="locator" xlink:href="ifrs-gp-2005-05-15.xsd#ifrs-gp_FeesAndCommissionIncomeRecognitionPolicy" xlink:label="ifrs-gp_FeesAndCommissionIncomeRecognitionPolicy"/>
    <loc xlink:type="locator" xlink:href="ifrs-gp-2005-05-15.xsd#ifrs-gp_FeesAndCommissionIncomeSecuritiesIssuanceAndManagementRecognitionPolicy" xlink:label="ifrs-gp_FeesAndCommissionIncomeSecuritiesIssuanceAndManagementRecognitionPolicy"/>
    <loc xlink:type="locator" xlink:href="ifrs-gp-2005-05-15.xsd#ifrs-gp_FeesAndCommissionIncomeAssetManagementRecognitionPolicy" xlink:label="ifrs-gp_FeesAndCommissionIncomeAssetManagementRecognitionPolicy"/>
    <loc xlink:type="locator" xlink:href="ifrs-gp-2005-05-15.xsd#ifrs-gp_FeesAndCommissionIncomeCreditCommitmentsRecognitionPolicy" xlink:label="ifrs-gp_FeesAndCommissionIncomeCreditCommitmentsRecognitionPolicy"/>
    <loc xlink:type="locator" xlink:href="ifrs-gp-2005-05-15.xsd#ifrs-gp_FeesAndCommissionIncomeCustodyRecognitionPolicy" xlink:label="ifrs-gp_FeesAndCommissionIncomeCustodyRecognitionPolicy"/>
    <loc xlink:type="locator" xlink:href="ifrs-gp-2005-05-15.xsd#ifrs-gp_FeesAndCommissionIncomePaymentsServicesRecognitionPolicy" xlink:label="ifrs-gp_FeesAndCommissionIncomePaymentsServicesRecognitionPolicy"/>
    <loc xlink:type="locator" xlink:href="ifrs-gp-2005-05-15.xsd#ifrs-gp_FeesAndCommissionIncomeServicingFeesFromSecuritisationActivitiesRecognitionPolicy" xlink:label="ifrs-gp_FeesAndCommissionIncomeServicingFeesFromSecuritisationActivitiesRecognitionPolicy"/>
    <loc xlink:type="locator" xlink:href="ifrs-gp-2005-05-15.xsd#ifrs-gp_FeesAndCommissionIncomeOtherRecognitionPolicy" xlink:label="ifrs-gp_FeesAndCommissionIncomeOtherRecognitionPolicy"/>
    <loc xlink:type="locator" xlink:href="ifrs-gp-2005-05-15.xsd#ifrs-gp_OtherPoliciesPresentation" xlink:label="ifrs-gp_OtherPoliciesPresentation"/>
    <loc xlink:type="locator" xlink:href="ifrs-gp-2005-05-15.xsd#ifrs-gp_OtherBankingSpecificPolicies" xlink:label="ifrs-gp_OtherBankingSpecificPolicies"/>
    <loc xlink:type="locator" xlink:href="ifrs-gp-2005-05-15.xsd#ifrs-gp_BasisForDeterminationOfChargesForGeneralBankingRisks" xlink:label="ifrs-gp_BasisForDeterminationOfChargesForGeneralBankingRisks"/>
    <loc xlink:type="locator" xlink:href="ifrs-gp-2005-05-15.xsd#ifrs-gp_BasisForAccountingTreatmentForGeneralBankingRisks" xlink:label="ifrs-gp_BasisForAccountingTreatmentForGeneralBankingRisks"/>
    <loc xlink:type="locator" xlink:href="ifrs-gp-2005-05-15.xsd#ifrs-gp_ExplanationOfTreatmentOfGainsAndLossesFromHedgingOfForecastedTransactions" xlink:label="ifrs-gp_ExplanationOfTreatmentOfGainsAndLossesFromHedgingOfForecastedTransactions"/>
    <loc xlink:type="locator" xlink:href="ifrs-gp-2005-05-15.xsd#ifrs-gp_ValuationOfInvestmentSecuritiesPolicy" xlink:label="ifrs-gp_ValuationOfInvestmentSecuritiesPolicy"/>
    <loc xlink:type="locator" xlink:href="ifrs-gp-2005-05-15.xsd#ifrs-gp_ValuationOfDealingSecuritiesPolicy" xlink:label="ifrs-gp_ValuationOfDealingSecuritiesPolicy"/>
    <loc xlink:type="locator" xlink:href="ifrs-gp-2005-05-15.xsd#ifrs-gp_ExplanationWhyTransactionsResultInBalanceSheetRecognitionOrInsteadGiveRiseToContingenciesAndCommitments" xlink:label="ifrs-gp_ExplanationWhyTransactionsResultInBalanceSheetRecognitionOrInsteadGiveRiseToContingenciesAndCommitments"/>
    <loc xlink:type="locator" xlink:href="ifrs-gp-2005-05-15.xsd#ifrs-gp_FiduciaryActivityPolicy" xlink:label="ifrs-gp_FiduciaryActivityPolicy"/>
    <loc xlink:type="locator" xlink:href="ifrs-gp-2005-05-15.xsd#ifrs-gp_SaleAndRepurchaseAgreementsPolicy" xlink:label="ifrs-gp_SaleAndRepurchaseAgreementsPolicy"/>
    <loc xlink:type="locator" xlink:href="ifrs-gp-2005-05-15.xsd#ifrs-gp_LoansAndAdvancesPolicy" xlink:label="ifrs-gp_LoansAndAdvancesPolicy"/>
    <loc xlink:type="locator" xlink:href="ifrs-gp-2005-05-15.xsd#ifrs-gp_ImpairmentOfLoansAndAdvancesPolicy" xlink:label="ifrs-gp_ImpairmentOfLoansAndAdvancesPolicy"/>
    <loc xlink:type="locator" xlink:href="ifrs-gp-2005-05-15.xsd#ifrs-gp_ExplanationOfCriteriaForDeterminingThatLoansAndAdvancesAreImpaired" xlink:label="ifrs-gp_ExplanationOfCriteriaForDeterminingThatLoansAndAdvancesAreImpaired"/>
    <loc xlink:type="locator" xlink:href="ifrs-gp-2005-05-15.xsd#ifrs-gp_ExplanationOfCriteriaForDeterminingWhenDirectlyReducedAndWhenAllowanceIsUsed" xlink:label="ifrs-gp_ExplanationOfCriteriaForDeterminingWhenDirectlyReducedAndWhenAllowanceIsUsed"/>
    <loc xlink:type="locator" xlink:href="ifrs-gp-2005-05-15.xsd#ifrs-gp_ExplanationOfCriteriaForWritingOffAllowanceAgainstAllowanceForImpairmentOfLoansAndAdvances" xlink:label="ifrs-gp_ExplanationOfCriteriaForWritingOffAllowanceAgainstAllowanceForImpairmentOfLoansAndAdvances"/>
    <loc xlink:type="locator" xlink:href="ifrs-gp-2005-05-15.xsd#ifrs-gp_BasisForDeterminationOfImpairmentLossesOnLoansAndAdvancesForWritingOffUncollectibleLoansAndAdvances" xlink:label="ifrs-gp_BasisForDeterminationOfImpairmentLossesOnLoansAndAdvancesForWritingOffUncollectibleLoansAndAdvances"/>
    <loc xlink:type="locator" xlink:href="ifrs-gp-2005-05-15.xsd#ifrs-gp_BasisForWritingOffUncollectibleLoansAndAdvances" xlink:label="ifrs-gp_BasisForWritingOffUncollectibleLoansAndAdvances"/>
    <loc xlink:type="locator" xlink:href="ifrs-gp-2005-05-15.xsd#ifrs-gp_BasisForDeterminingWhenLoansAndAdvancesAreNoLongerPastDue" xlink:label="ifrs-gp_BasisForDeterminingWhenLoansAndAdvancesAreNoLongerPastDue"/>
    <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ifrs-gp_AccountingPoliciesPresentation" xlink:to="ifrs-gp_AssetsPoliciesPresentation" order="1" use="optional"/>
    <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ifrs-gp_AccountingPoliciesPresentation" xlink:to="ifrs-gp_EquityAndLiabilitiesPoliciesPresentation" order="2" use="optional"/>
    <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ifrs-gp_EquityAndLiabilitiesPoliciesPresentation" xlink:to="ifrs-gp_DepositsPolicy" order="1" use="optional"/>
    <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ifrs-gp_EquityAndLiabilitiesPoliciesPresentation" xlink:to="ifrs-gp_DebenturesAndDebtCertificatesPolicy" order="2" use="optional"/>
    <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ifrs-gp_EquityAndLiabilitiesPoliciesPresentation" xlink:to="ifrs-gp_SubordinatedLiabilitiesPolicy" order="3" use="optional"/>
    <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ifrs-gp_EquityAndLiabilitiesPoliciesPresentation" xlink:to="ifrs-gp_ShareCapitalRepayableOnDemandCooperativesPolicy" order="4" use="optional"/>
    <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ifrs-gp_AccountingPoliciesPresentation" xlink:to="ifrs-gp_IncomeStatementPoliciesPresentation" order="3" use="optional"/>
    <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ifrs-gp_IncomeStatementPoliciesPresentation" xlink:to="ifrs-gp_RevenueRecognitionPolicy" order="1" use="optional"/>
    <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ifrs-gp_RevenueRecognitionPolicy" xlink:to="ifrs-gp_FeesAndCommissionIncomeRecognitionPolicy" order="1" use="optional"/>
    <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ifrs-gp_FeesAndCommissionIncomeRecognitionPolicy" xlink:to="ifrs-gp_FeesAndCommissionIncomeSecuritiesIssuanceAndManagementRecognitionPolicy" order="1" use="optional"/>
    <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ifrs-gp_FeesAndCommissionIncomeRecognitionPolicy" xlink:to="ifrs-gp_FeesAndCommissionIncomeAssetManagementRecognitionPolicy" order="2" use="optional"/>
    <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ifrs-gp_FeesAndCommissionIncomeRecognitionPolicy" xlink:to="ifrs-gp_FeesAndCommissionIncomeCreditCommitmentsRecognitionPolicy" order="3" use="optional"/>
    <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ifrs-gp_FeesAndCommissionIncomeRecognitionPolicy" xlink:to="ifrs-gp_FeesAndCommissionIncomeCustodyRecognitionPolicy" order="4" use="optional"/>
    <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ifrs-gp_FeesAndCommissionIncomeRecognitionPolicy" xlink:to="ifrs-gp_FeesAndCommissionIncomePaymentsServicesRecognitionPolicy" order="5" use="optional"/>
    <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ifrs-gp_FeesAndCommissionIncomeRecognitionPolicy" xlink:to="ifrs-gp_FeesAndCommissionIncomeServicingFeesFromSecuritisationActivitiesRecognitionPolicy" order="6" use="optional"/>
    <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ifrs-gp_FeesAndCommissionIncomeRecognitionPolicy" xlink:to="ifrs-gp_FeesAndCommissionIncomeOtherRecognitionPolicy" order="7" use="optional"/>
    <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ifrs-gp_AccountingPoliciesPresentation" xlink:to="ifrs-gp_OtherPoliciesPresentation" order="4" use="optional"/>
    <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ifrs-gp_OtherPoliciesPresentation" xlink:to="ifrs-gp_OtherBankingSpecificPolicies" order="1" use="optional"/>
    <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ifrs-gp_OtherBankingSpecificPolicies" xlink:to="ifrs-gp_BasisForDeterminationOfChargesForGeneralBankingRisks" order="1" use="optional"/>
    <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ifrs-gp_OtherBankingSpecificPolicies" xlink:to="ifrs-gp_BasisForAccountingTreatmentForGeneralBankingRisks" order="2" use="optional"/>
    <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ifrs-gp_OtherBankingSpecificPolicies" xlink:to="ifrs-gp_ExplanationOfTreatmentOfGainsAndLossesFromHedgingOfForecastedTransactions" order="3" use="optional"/>
    <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ifrs-gp_OtherBankingSpecificPolicies" xlink:to="ifrs-gp_ValuationOfInvestmentSecuritiesPolicy" order="4" use="optional"/>
    <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ifrs-gp_OtherBankingSpecificPolicies" xlink:to="ifrs-gp_ValuationOfDealingSecuritiesPolicy" order="5" use="optional"/>
    <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ifrs-gp_OtherBankingSpecificPolicies" xlink:to="ifrs-gp_ExplanationWhyTransactionsResultInBalanceSheetRecognitionOrInsteadGiveRiseToContingenciesAndCommitments" order="6" use="optional"/>
    <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ifrs-gp_OtherBankingSpecificPolicies" xlink:to="ifrs-gp_FiduciaryActivityPolicy" order="7" use="optional"/>
    <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ifrs-gp_OtherBankingSpecificPolicies" xlink:to="ifrs-gp_SaleAndRepurchaseAgreementsPolicy" order="8" use="optional"/>
    <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ifrs-gp_OtherPoliciesPresentation" xlink:to="ifrs-gp_LoansAndAdvancesPolicy" order="2" use="optional"/>
    <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ifrs-gp_LoansAndAdvancesPolicy" xlink:to="ifrs-gp_ImpairmentOfLoansAndAdvancesPolicy" order="1" use="optional"/>
    <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ifrs-gp_ImpairmentOfLoansAndAdvancesPolicy" xlink:to="ifrs-gp_ExplanationOfCriteriaForDeterminingThatLoansAndAdvancesAreImpaired" order="1" use="optional"/>
    <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ifrs-gp_ImpairmentOfLoansAndAdvancesPolicy" xlink:to="ifrs-gp_ExplanationOfCriteriaForDeterminingWhenDirectlyReducedAndWhenAllowanceIsUsed" order="2" use="optional"/>
    <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ifrs-gp_ImpairmentOfLoansAndAdvancesPolicy" xlink:to="ifrs-gp_ExplanationOfCriteriaForWritingOffAllowanceAgainstAllowanceForImpairmentOfLoansAndAdvances" order="3" use="optional"/>
    <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ifrs-gp_ImpairmentOfLoansAndAdvancesPolicy" xlink:to="ifrs-gp_BasisForDeterminationOfImpairmentLossesOnLoansAndAdvancesForWritingOffUncollectibleLoansAndAdvances" order="4" use="optional"/>
    <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ifrs-gp_ImpairmentOfLoansAndAdvancesPolicy" xlink:to="ifrs-gp_BasisForWritingOffUncollectibleLoansAndAdvances" order="5" use="optional"/>
    <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ifrs-gp_ImpairmentOfLoansAndAdvancesPolicy" xlink:to="ifrs-gp_BasisForDeterminingWhenLoansAndAdvancesAreNoLongerPastDue" order="6" use="optional"/>
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