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 | % | ||||||||
