Exhibit 7

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



|                                                                                     |  |      |        |   |      |  |        |      |  |  |        |   |  |      |        |   |  |  |        |  
|------------------------------------------------------------------------------------ |  | ---- | ------ | - | ---- |  | ------ | ---- |  |  | ------ | - |  | ---- | ------ | - |  |  | ------ | -
|                                                                                     |  | IFRS |        |   | IFRS |  |        | IFRS |  |  | IFRS   |   |  | IFRS |       
|                                                                                     |  | 2009 |        |   | 2010 |  |        | 2011 |  |  | 2012   |   |  | 2013 |       
|                                                                                     |  |      |        |   |     
|Total interest expense from the banking operations                                   |  |      | 67,475 |   |      |  | 55,011 |      |  |  | 51,200 |   |  |      | 48,119 |   |  |  | 39,693 |  
|Other interest expenses                                                              |  |      | 716    |   |      |  | 183    |      |  |  | 380    |   |  |      | 464    |   |  |  | 461    |  
|Interest credited on investment contracts and universal life-type contracts (FAS 97) |  |      | (1,336 | ) |      |  | 353    |      |  |  | 339    |   |  |      | 492    |   |  |  | 193    |  
|                                                                                     |  |      |        |   |      |  |        |      |  |  |        |   |  |      |        |   |  |  |        |  
|Total interest expense                                                               |  |      | 66,855 |   |      |  | 55,547 |      |  |  | 51,919 |   |  |      | 49,075 |   |  |  | 40,347 |  
|                                                                                     |  |      |        |   |     
|Capitalized interest during construction                                             |  |      | 98     |   |      |  | 0      |      |  |  |       |   |  |      |       |   |  |  |       |  
|                                                                                     |  |      |        |   |     
|Total Charges                                                                        |  |      | 66,953 |   |      |  | 55,547 |      |  |  | 51,919 |   |  |      | 49,075 |   |  |  | 40,347 |  
|                                                                                     |  |      |        |   |     
|Dividend in preference shares                                                        |  |      |       |   |      |  |       |      |  |  |       |   |  |      |       |   |  |  |       |  
|Dividend in preference shares - TIER1 capital                                        |  |      |       |   |      |  |       |      |  |  |       |   |  |      |       |   |  |  |       |  
|                                                                                     |  |      |        |   |     
|Total Charges inclusive Dividend in preference shares                                |  |      | 66,953 |   |      |  | 55,547 |      |  |  | 51,919 |   |  |      | 49,075 |   |  |  | 40,347 |  
|                                                                                     |  |      |        |   |     
|Pre tax profit                                                                       |  |      | (3,030 | ) |      |  | 3,053  |      |  |  | 5,076  |   |  |      | 3,218  |   |  |  | 5,913  |  
|Total interest expense                                                               |  |      | 66,855 |   |      |  | 55,547 |      |  |  | 51,919 |   |  |      | 49,075 |   |  |  | 40,347 |  
|Losses from investments accounted under the equity method                            |  |      | (582   | ) |      |  | (30    | )    |  |  | (33    | ) |  |      | (157   | ) |  |  | (246   | )
|                                                                                     |  |      |        |   |     
|Total                                                                                |  |      | 64,748 |   |      |  | 58,570 |      |  |  | 56,962 |   |  |      | 52,136 |   |  |  | 46,014 |  
|                                                                                     |  |      |        |   |     
|Earnings to Fixed Charges:                                                           |  |      |        |   |      |  |        |      |  |  |        |   |  |      |        |   |  |  |        |  
|Including Interest on Deposits                                                       |  |      | 0.97   |   |      |  | 1.05   |      |  |  | 1.10   |   |  |      | 1.06   |   |  |  | 1.14   |  
|Earnings to Combined Fixed Charges and Preferred Stock                               |  |      |        |   |      |  |        |      |  |  |        |   |  |      |        |   |  |  |        |  
|Dividend:                                                                            |  |      |        |   |      |  |        |      |  |  |        |   |  |      |        |   |  |  |        |  
|Including Interest on Deposits                                                       |  |      | 0.97   |   |      |  | 1.05   |      |  |  | 1.10   |   |  |      | 1.06   |   |  |  | 1.14   |  



|* | the figures over 2011 and 2012 are restated
|- | -------------------------------------------