EX-99.3 4 d485532dex993.htm EX-99.3 EX-99.3

Exhibit 99.3

Return on Equity and Assets Ratios

 

     Q2 2023     Q1 2023     Six months ended
April 30, 2023		     For the Year-Ended
October 2022		  

Return on Assets

      0.79 %      0.61 %      0.69 %      0.84 % 

Return on Equity

      14.4 %      12.6 %      13.5 %      16.4 % 

Dividend Payout Ratio

      51 %      58 %      54 %      45 %