Exhibit 99.3

Industry Guide 3 - Return on Equity and Assets Ratios

	Q1 2018			For the Year-Ended October 31, 2017			For the Year-Ended October 31, 2016			For the Year-Ended October 31, 2015
Return on Assets		0.94	%		0.97	%		0.89	%		0.95	%
Return on Equity		17.4	%		17.0	%		16.3	%		18.6	%
Dividend Payout Ratio		45	%		46	%		48	%		46	%
Equity to Asset Ratio		5.78	%		6.12	%		5.90	%		5.57	%