Exhibit 99.3

Industry Guide 3 – Return on Equity and Assets Ratios

	Q3 2015			Q2 2015			Q1 2015			For the nine months ended July 31, 2015			For the year ended October 2014
Return on Assets		0.94	%		0.99	%		0.94	%		0.96	%		0.99	%
Return on Equity		18.1	%		19.3	%		19.3	%		18.9	%		19.0	%
Dividend Payout Ratio		46	%		46	%		45	%		46	%		47	%
Equity to Asset Ratio		5.67	%		5.57	%		5.32	%		5.52	%		5.74	%

Results are from Consolidated Financial Statements.