Exhibit 99.3

Industry Guide 3 - Return on Equity and Assets Ratios

	Q1 2021			For the Year-Ended October 31, 2020			For the Year-Ended October 31, 2019			For the Year-Ended October 31, 2018
Return on Assets		0.90	%		0.70	%		0.90	%		0.96	%
Return on Equity		18.6	%		14.2	%		16.8	%		17.6	%
Dividend Payout Ratio		41	%		55	%		46	%		45	%
Equity to Asset Ratio		5.19	%		5.19	%		5.64	%		5.85	%