Therefore, the Texas Ratio ( sounds like game Texas Hold'em!) = S$2054 / S$18,486 = 0.111=11%. ( we did not mention about the loss reserve as we can't find it and we suspect its been accounted for in the S$18,486 figure. )
Since the Texas Ratio of 11% is way lesser than 100%. DBS is considered safe. Can you sleep well tonight?