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