Exhibit 99.3

Industry Guide 3 – Return on Equity and Assets Ratios

	Q1 2020		For the Year-Ended October 2019		For the Year-Ended October 2018		For the Year-Ended October 2017
Return on Assets		0.92%		0.90%		0.96%		0.97%
Return on Equity		17.6%		16.8%		17.6%		17.0%
Dividend Payout Ratio		44%		46%		45%		46%
Equity to Asset Ratio		5.50%		5.64%		5.85%		6.12%