Exhibit 7



|                                                                                     |  |      |        |   |      |  |        |      |  |  |        |  |  |      |        |   |  |  |        | 
|------------------------------------------------------------------------------------ |  | ---- | ------ | - | ---- |  | ------ | ---- |  |  | ------ |  |  | ---- | ------ | - |  |  | ------ | 
|RATIOS OF EARNINGS TO FIXED CHARGES AND PREFERRED STOCK DIVIDEND REQUIREMENTS
*      | 
|                                                                                     |  |      |        |   |     
|                                                                                     |  | IFRS |        |   | IFRS |  |        | IFRS |  |  | IFRS   |  |  | IFRS |       
|                                                                                     |  | 2013 |        |   | 2014 |  |        | 2015 |  |  | 2016   |  |  | 2017 |       
|Total interest expense from the banking operations                                   |  |      | 39,693 |   |      |  | 35,859 |      |  |  | 33,760 |  |  |      | 30,941 |   |  |  | 30,243 | 
|Other interest expenses                                                              |  |      | 461    |   |      |  |       |      |  |  |       |  |  |      |        |   |  |  |        | 
|Interest credited on investment contracts and universal life-type contracts (FAS 97) |  |      | 193    |   |      |  |       |      |  |  |       |  |  |      |        |   |  |  |        | 
|                                                                                     |  |      |        |   |      |  |        |      |  |  |        |  |  |      |        |   |  |  |        | 
|Total interest expense                                                               |  |      | 40,347 |   |      |  | 35,859 |      |  |  | 33,760 |  |  |      | 30,941 |   |  |  | 30,243 | 
|                                                                                     |  |      |        |   |     
|Capitalized interest during construction                                             |  |      |       |   |      |  |       |      |  |  |       |  |  |      |       |   |  |  |       | 
|                                                                                     |  |      |        |   |     
|Total Charges                                                                        |  |      | 40,347 |   |      |  | 35,859 |      |  |  | 33,760 |  |  |      | 30,941 |   |  |  | 30,243 | 
|                                                                                     |  |      |        |   |     
|Dividend in preference shares                                                        |  |      |       |   |      |  |       |      |  |  |       |  |  |      |        |   |  |  |        | 
|Dividend in preference shares - TIER1 capital                                        |  |      |       |   |      |  |       |      |  |  |       |  |  |      |        |   |  |  |        | 
|                                                                                     |  |      |        |   |     
|Total Charges inclusive Dividend in preference shares                                |  |      | 40,347 |   |      |  | 35,859 |      |  |  | 33,760 |  |  |      | 30,941 |   |  |  | 30,243 | 
|                                                                                     |  |      |        |   |     
|Pre tax profit                                                                       |  |      | 5,973  |   |      |  | 3,361  |      |  |  | 7,334  |  |  |      | 6,314  |   |  |  | 8,085  | 
|Total interest expense                                                               |  |      | 40,347 |   |      |  | 35,859 |      |  |  | 33,760 |  |  |      | 30,941 |   |  |  | 30,243 | 
|Losses from investments accounted under the equity method 1)                         |  |      | (246   | ) |      |  |       |      |  |  |       |  |  |      | (3     | ) |  |  |       | 
|                                                                                     |  |      |        |   |     
|Total                                                                                |  |      | 46,014 |   |      |  | 39,220 |      |  |  | 41,094 |  |  |      | 37,252 |   |  |  | 38,328 | 
|                                                                                     |  |      |        |   |     
|Earnings to Fixed Charges:                                                           |  |      |        |   |      |  |        |      |  |  |        |  |  |      |        |   |  |  |        | 
|Including Interest on Deposits                                                       |  |      | 1.14   |   |      |  | 1.09   |      |  |  | 1.22   |  |  |      | 1.20   |   |  |  | 1.27   | 
|Earnings to Combined Fixed Charges and Preferred Stock                               |  |      |        |   |      |  |        |      |  |  |        |  |  |      |        |   |  |  |        | 
|Dividend:                                                                            |  |      |        |   |      |  |        |      |  |  |        |  |  |      |        |   |  |  |        | 
|Including Interest on Deposits                                                       |  |      | 1.14   |   |      |  | 1.09   |      |  |  | 1.22   |  |  |      | 1.20   |   |  |  | 1.27   |