Exhibit 5

Return on Equity and Assets Ratios

	For the Year-Ended October 2023			For the Year-Ended October 2022			For the Year-Ended October 2021
Return on Assets		0.74	%		0.84	%		0.96	%
Return on Equity		14.2	%		16.4	%		18.6	%
Dividend Payout Ratio		51	%		45	%		39	%