All figures converted to SGD using that currency's latest captured rate — never inferred from the reverse pair, since real FX rates carry a spread. Credit card balances are shown for monitoring but are not netted against assets, per the net-assets formula above. "Total loans" is what's owed, by the country each loan was drawn in. "Approx. loan utilisation" is a separate metric: each country's share of your whole loan book, from the Loan allocation table — a loan split 50/50 between two countries shows ~50% against each once weighed against total borrowing, and any loan you haven't allocated at all still counts in the denominator, so it pulls every country's % down until it's mapped somewhere.

Each row is a deliberate snapshot of the two figures above, at the moment you captured it — not reconstructed after the fact (account values and rates only ever hold their current figure, no history). "vs start of month" compares to the first snapshot captured in that same calendar month.