Exhibit 7

RATIOS OF EARNINGS TO FIXED CHARGES AND PREFERRED STOCK DIVIDEND REQUIREMENTS



|                                                                                     |  |      |        |   |      |  |        |      |  |  |        |   |  |      |        |   |  |  |        |  
|------------------------------------------------------------------------------------ |  | ---- | ------ | - | ---- |  | ------ | ---- |  |  | ------ | - |  | ---- | ------ | - |  |  | ------ | -
|                                                                                     |  | IFRS |        |   | IFRS |  |        | IFRS |  |  | IFRS   |   |  | IFRS |       
|                                                                                     |  | 2007 |        |   | 2008 |  |        | 2009 |  |  | 2010   |   |  | 2011 |       
|Total interest expense from the banking operations                                   |  |      | 67,773 |   |      |  | 85,969 |      |  |  | 67,475 |   |  |      | 55,011 |   |  |  | 51,200 |  
|Other interest expenses                                                              |  |      | 1,102  |   |      |  | 978    |      |  |  | 716    |   |  |      | 792    |   |  |  | 528    |  
|Interest credited on investment contracts and universal life-type contracts (FAS 97) |  |      | 2,879  |   |      |  | (709   | )    |  |  | (1,336 | ) |  |      | 353    |   |  |  | 339    |  
|                                                                                     |  |      |        |   |      |  |        |      |  |  |        |   |  |      |        |   |  |  |        |  
|Total interest expense                                                               |  |      | 71,754 |   |      |  | 86,238 |      |  |  | 66,855 |   |  |      | 56,155 |   |  |  | 52,067 |  
|                                                                                     |  |      |        |   |     
|Capitalized interest during construction                                             |  |      |       |   |      |  | 1      |      |  |  | 98     |   |  |      | 0      |   |  |  |       |  
|                                                                                     |  |      |        |   |     
|Total Charges                                                                        |  |      | 71,754 |   |      |  | 86,239 |      |  |  | 66,953 |   |  |      | 56,156 |   |  |  | 52,067 |  
|                                                                                     |  |      |        |   |     
|Dividend in preference shares                                                        |  |      |       |   |      |  |       |      |  |  |       |   |  |      |       |   |  |  |       |  
|Dividend in preference sharesTIER1 capital                                          |  |      |       |   |      |  |       |      |  |  |       |   |  |      |       |   |  |  |       |  
|                                                                                     |  |      |        |   |     
|Total Charges inclusive Dividend in preference shares                                |  |      | 71,754 |   |      |  | 86,239 |      |  |  | 66,953 |   |  |      | 56,156 |   |  |  | 52,067 |  
|                                                                                     |  |      |        |   |     
|Pre tax profit                                                                       |  |      | 11,042 |   |      |  | (1,486 | )    |  |  | (1,525 | ) |  |      | 4,476  |   |  |  | 6,109  |  
|Total interest expense                                                               |  |      | 71,754 |   |      |  | 86,239 |      |  |  | 66,855 |   |  |      | 56,155 |   |  |  | 52,067 |  
|Losses from investments accounted under the equity method                            |  |      | (3     | ) |      |  | (469   | )    |  |  | (582   | ) |  |      | (30    | ) |  |  | (33    | )
|                                                                                     |  |      |        |   |     
|Total                                                                                |  |      | 82,793 |   |      |  | 84,284 |      |  |  | 64,748 |   |  |      | 60,602 |   |  |  | 58,143 |  
|                                                                                     |  |      |        |   |     
|Earnings to Fixed Charges:                                                           |  |      |        |   |      |  |        |      |  |  |        |   |  |      |        |   |  |  |        |  
|Including Interest on Deposits                                                       |  |      | 1.15   |   |      |  | 0.98   |      |  |  | 0.97   |   |  |      | 1.08   |   |  |  | 1.12   |  
|Earnings to Combined Fixed Charges and Preferred Stock                               |  |      |        |   |      |  |        |      |  |  |        |   |  |      |        |   |  |  |        |  
|Dividend:                                                                            |  |      |        |   |      |  |        |      |  |  |        |   |  |      |        |   |  |  |        |  
|Including Interest on Deposits                                                       |  |      | 1.15   |   |      |  | 0.98   |      |  |  | 0.97   |   |  |      | 1.08   |   |  |  | 1.12   |