The balance sheet of XYZ Bank appears below. All figures in millions of U.S. dollars. 
-The gap ratio is
Definitions:
Insight Therapy
A form of psychotherapy that aims to increase a patient's awareness of underlying motives and defenses to improve mental health.
Psychotherapy
A general term for treating mental health problems by talking with a psychiatrist, psychologist, or another mental health provider, focusing on understanding and resolving problematic behaviors, beliefs, feelings, and relationship issues.
Sigmund Freud
A neurologist from Austria who initiated the practice of psychoanalysis, which involves treating mental disorders by engaging patients in conversation with a psychoanalyst.
Psychoanalysis
A method of psychological therapy and analysis of the human psyche, developed by Sigmund Freud, focusing on unconscious processes.
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