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