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