Exhibit 7

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



|                                                                                     |  |      |        |   |      |  |        |      |  |  |        |   |  |      |        |   |  |  |        | 
|------------------------------------------------------------------------------------ |  | ---- | ------ | - | ---- |  | ------ | ---- |  |  | ------ | - |  | ---- | ------ | - |  |  | ------ | 
|                                                                                     |  | IFRS |        |   | IFRS |  |        | IFRS |  |  | IFRS   |   |  | IFRS |       
|                                                                                     |  | 2010 |        |   | 2011 |  |        | 2012 |  |  | 2013   |   |  | 2014 |       
|Total interest expense from the banking operations                                   |  |      | 55,011 |   |      |  | 51,200 |      |  |  | 48,119 |   |  |      | 39,693 |   |  |  | 35,859 | 
|Other interest expenses                                                              |  |      | 183    |   |      |  | 380    |      |  |  | 464    |   |  |      | 461    |   |  |  |       | 
|Interest credited on investment contracts and universal life-type contracts (FAS 97) |  |      | 353    |   |      |  | 339    |      |  |  | 492    |   |  |      | 193    |   |  |  |       | 
|                                                                                     |  |      |        |   |      |  |        |      |  |  |        |   |  |      |        |   |  |  |        | 
|Total interest expense                                                               |  |      | 55,547 |   |      |  | 51,919 |      |  |  | 49,075 |   |  |      | 40,347 |   |  |  | 35,859 | 
|Capitalized interest during construction                                             |  |      | 0      |   |      |  |       |      |  |  |       |   |  |      |       |   |  |  |       | 
|Total Charges                                                                        |  |      | 55,547 |   |      |  | 51,919 |      |  |  | 49,075 |   |  |      | 40,347 |   |  |  | 35,859 | 
|Dividend in preference shares                                                        |  |      |       |   |      |  |       |      |  |  |       |   |  |      |       |   |  |  |       | 
|Dividend in preference shares - TIER1 capital                                        |  |      |       |   |      |  |       |      |  |  |       |   |  |      |       |   |  |  |       | 
|Total Charges inclusive Dividend in preference shares                                |  |      | 55,547 |   |      |  | 51,919 |      |  |  | 49,075 |   |  |      | 40,347 |   |  |  | 35,859 | 
|Pre tax profit                                                                       |  |      | 3,053  |   |      |  | 5,076  |      |  |  | 3,385  |   |  |      | 5,973  |   |  |  | 3,361  | 
|Total interest expense                                                               |  |      | 55,547 |   |      |  | 51,919 |      |  |  | 49,075 |   |  |      | 40,347 |   |  |  | 35,859 | 
|Losses from investments accounted under the equity method 1)                         |  |      | (30    | ) |      |  | (33    | )    |  |  | (157   | ) |  |      | (246   | ) |  |  |       | 
|Total                                                                                |  |      | 58,570 |   |      |  | 56,962 |      |  |  | 52,136 |   |  |      | 46,014 |   |  |  | 39,220 | 
|Earnings to Fixed Charges:                                                           |  |      |        |   |      |  |        |      |  |  |        |   |  |      |        |   |  |  |        | 
|Including Interest on Deposits                                                       |  |      | 1.05   |   |      |  | 1.10   |      |  |  | 1.06   |   |  |      | 1.14   |   |  |  | 1.09   | 
|Earnings to Combined Fixed Charges and Preferred Stock                               |  |      |        |   |      |  |        |      |  |  |        |   |  |      |        |   |  |  |        | 
|Dividend:                                                                            |  |      |        |   |      |  |        |      |  |  |        |   |  |      |        |   |  |  |        | 
|Including Interest on Deposits                                                       |  |      | 1.05   |   |      |  | 1.10   |      |  |  | 1.06   |   |  |      | 1.14   |   |  |  | 1.09   | 



|* | the figures over 2013 and 2012 are restated
|- | -------------------------------------------