Exhibit 5
Return on Equity and Assets Ratios
| For the Year-Ended October 2022 |
For the Year-Ended October 2021 |
For the Year-Ended October 2020 |
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| Return on Assets |
0.84 | % | 0.96 | % | 0.70 | % | ||||||
| Return on Equity |
16.4 | % | 18.6 | % | 14.2 | % | ||||||
| Dividend Payout Ratio |
45 | % | 39 | % | 55 | % | ||||||
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