EX-99.3 4 d138850dex993.htm EX-99.3 EX-99.3

Exhibit 99.3

Industry Guide 3 – Return on Equity and Assets Ratios

 

     Q2 2016      Q1 2016      Six months ended
April 30, 2016		      For the year-ended
October 2015		  

Return on Assets

      0.90%         0.83%         0.86%         0.95%   

Return on Equity

      16.2%         15.3%         15.8%         18.6%   

Dividend Payout Ratio

      49%         50%         49%         46%   

Equity to Asset Ratio

      5.96%         5.83%         5.89%         5.57%   

Results are from Consolidated Financial Statements.