EX-99.3 4 d441414dex993.htm EX-99.3 EX-99.3

Exhibit 99.3

Return on Equity and Assets Ratios

 

     Q1 2023     For the Year-Ended
October 2022		     For the Year-Ended
October 2021		     For the Year-Ended
October 2020		  

Return on Assets

      0.61 %      0.84 %      0.96 %      0.79 % 

Return on Equity

      12.6 %      16.4 %      18.6 %      16.0 % 

Dividend Payout Ratio

      58 %      45 %      39 %      48 %