Exhibit 99.3
Return on Equity and Assets Ratios
| Q2 2026 | Q1 2026 | Six months ended April 30, 2026 |
For the Year-Ended October 2025 |
|||||||||||||
| Return on Assets |
0.88 | % | 0.89 | % | 0.89 | % | 0.85 | % | ||||||||
| Return on Equity |
17.2 | % | 17.6 | % | 17.4 | % | 16.3 | % | ||||||||
| Dividend Payout Ratio |
42 | % | 41 | % | 41 | % | 43 | % | ||||||||