Exhibit 5

Industry Guide 3 - Return on Equity and Assets Ratios

	For the Year-Ended October 31, 2020			For the Year-Ended October 31, 2019			For the Year-Ended October 31, 2018
Return on Assets		0.70	%		0.90	%		0.96	%
Return on Equity		14.2	%		16.8	%		17.6	%
Dividend Payout Ratio		55	%		46	%		45	%
Equity to Asset Ratio		5.19	%		5.64	%		5.85	%