Exhibit 99.3

Industry Guide 3 – Return on Equity and Assets Ratios

	Q1 2017			For the Year-Ended October 2016			For the Year-Ended October 2015			For the Year-Ended October 2014
Return on Assets		1.02	%		0.89	%		0.95	%		0.99	%
Return on Equity		18.0	%		16.3	%		18.6	%		19.0	%
Dividend Payout Ratio		42	%		48	%		46	%		47	%
Equity to Asset Ratio		6.09	%		5.90	%		5.57	%		5.74	%

Results are from Consolidated Financial Statements.