This topic provides information on Collateral Pool Utilization .

1. On the Home screen, select Limits and Collateral. Under Limits and Collaterals, select Collaterals.Under Collaterals, select Transactions.
2. Under Transactions, select Collaterals Utilization.
   The Collateral Utilization screen is displayed.

   Figure 4-1 Collateral Utilization

   
   

   
   Description of "Figure 4-1 Collateral Utilization"

   
   
3. On Collateral Utilization screen , and specify the fields.
   For more information on fields, refer to the field description table.

   Table 4-3 Collateral Utilization - Field Description

   Field	Description
   User Reference	Specify the unique number which is to be assigned for every utilising contract. Usually, User reference Number is the actual contract number in external system which is placing the utilization.
   Utilization Branch	Branch Code is displayed here. It indicates the transaction branch code.
   Simulate	Select the toggle to indicate that the details for the transaction being entered should be used only for simulation and not stored permanently within the system. After a successful simulation of a transaction, the system displays the utilized amount for collateral or collateral Pool.
   Action	During new utilization, you can perform below mentioned operations for the entities (Collateral, pool linked to liability). NEW INCREASE DECREASE ALTER REVERSE RE-OPEN MATURE DELETE For more information on the utilizations refer examples listed after this table.
   Force Process Overrides	This is for checking the error type of the error codes raised during transaction - online or batch. Possible values are N (Online) and B (Batch).
   Utilization ID	On click Save, the system generates the Utilization ID.
   Customer No	Specify the Customer Number of the contract utilizing the collateral. Customer Number entered should be valid Customer Number in Oracle Banking ELCM system.
   Entity Type	Select the Entity Type from the drop-down list. The options available are: Collateral Collateral Pool
   Default Liability	Switch to enable this parameter. When a customer number is selected from drop-down list, default liability toggle is enabled by default and Liability Code column shows the liability to which this customer is linked as default. Switch to disable this parameter. If a customer is linked to multiple liabilities and utilization transaction needs to consider the entity belonging to a liability which is not default, then default liability needs to be disabled, and liability number can be selected from drop- down list against this field. This gets disabled automatically when you select the non-default liability of the customer
   Liability Code	Click Search icon and select the liability code from the list. All liabilities (default and non-default) to which a customer is linked are displayed.
   Liability Currency	Displays the currency the selected liability code.
   Utilization Currency	Click Search icon and select the currency for the utilization transaction. The adjoining option list contains all the currencies maintained in the system.
   Utilization Amount	Specify the amount for the utilization transaction.
   Amount Tag	Click Search icon and select the amount tag from the list. The Amount Tag entered in Amount Tag Maintenance screen is displayed here. This typically indicates the type of the component of the transaction such as ‘PRINCIPAL AMOUNT’. Amount tags are fetched from amount tag maintenance.
   Utilization Product	Click Search icon and select the product for the transaction. The adjoining option list contains all the relevant products. This indicates external product code initiating the utilization transaction. Products are fetched from product maintenance.
   Utilization Status	Indicates the utilization status. The options are: Active (A) Reverse (R) Liquidated (L)
   Collateral Code	Click Search icon and select the Collateral code associated with the selected liability that is to be used for the transaction. This option is required when you select Entity Type as ‘Collateral’.
   Pool Code	Click Search icon and select the Collateral pool code associated with the selected liability that is to be used for the transaction. This option is required when you select Entity Type as ‘Collateral Pool’.
   Limit Currency	This field displays the limit currency of the entity (Collateral or Collateral Pool)
   Limit Utilized Amount	Specify the amount utilized from the limit in limit currency. Note: As part of a Direct cross-currency utilization transaction, this accepts the utilization amount in limit currency and uses that directly instead of deriving it based on the utilization amount in transaction currency and the exchange rate. If the Limit Utilized Amount is specified, currency revaluation is not applicable for the utilization transaction.
   Ignore Overrides	Specify whether the transaction should ignore the overrides occurred in the process or not. Example - an overdrawn transaction. Possible values “Y” (force authorize) and “N” (not force authorized).
   Exchange Rate	Specify the Exchange Rate for cross currency utilization transaction. The utilization amount for the Limit Entities Collateral, and Collateral Pool linked to liability will be calculated in the mentioned utilization currency directly using this exchange rate instead of the exchange rate mentioned in CONFIG SERVICE and Branch Exchange rate maintenance. (add branch CYDRATEE) If utilization amount is in limit currency and the Exchange Rate is not provided as a part of utilization, then the system will calculate the Exchange Rate with the utilization amount in transaction currency and the utilization amount in limit currency. Note: The exchange rate mentioned in Limit Utilization will be used only for the calculation of direct limit entities block. Refer to the Direct Exchange Rate section in Common User Guide.
   Value Date	Specify the value date for the transaction. System supports both current dated and back dated block transactions.
   Module	The module from which the transactions are triggered is displayed here. . This is typically the associated module of the product processor which initiates the transaction.
   Source Code	Indicates the product processor name from where the transaction has been originated. This field will be as part of Header section (Source Code).
   Bank Reference Number	The reference number at the bank level can be specified here.
   Block Reference Number	Click Search icon and select the block reference from the list, if the utilisation is posted against an earlier block transaction. If the contract has blocked the collateral first, then it can be utilised to the extent of block amount by specifying the block reference number. On utilization of block amount, the extent of the amount utilized is released from the block amount, thus the block amount is reduced. An error appears, when you try to utilize more than blocked amount by providing block reference number.

   The following examples depict utilization applied on a collateral for different utilization operations (in the sequential order considering previous transaction).

   Table 4-4 Collateral Amount - Before Utilization

   Available Amount	Utilization Amount	Utilization Status
   10000	0	-

   Table 4-5 After New Utilization of 1000

   Available Amount	Utilization Amount	Utilization Status
   9000	1000	A

   Table 4-6 After Alter Utilization of 3000

   Available Amount	Utilization Amount	Utilization Status
   7000	3000	A

   Table 4-7 After Alter Utilization of 2000

   Available Amount	Utilization Amount	Utilization Status
   8000	2000	A

   Table 4-8 After Increase of 1000

   Available Amount	Utilization Amount	Utilization Status
   7000	3000	A

   Table 4-9 After decrease of 500

   Available Amount	Utilization Amount	Utilization Status
   7500	2500	A

   Table 4-10 After UNDO (reverses last transaction-Decrease)

   Available Amount	Utilization Amount	Utilization Status
   7000	3000	A

   Table 4-11 After Reverse Utilization

   Available Amount	Utilization Amount	Utilization Status
   10000	0	R

   Table 4-12 After Reopen of Utilization

   Available Amount	Utilization Amount	Utilization Status
   10000	0	A

   Table 4-13 After Increase of 3000

   Available Amount	Utilization Amount	Utilization Status
   7000	3000	A

   Table 4-14 After Decrease of 2000

   Available Amount	Utilization Amount	Utilization Status
   9000	1000	A

   Table 4-15 After Increase of 1000

   Available Amount	Utilization Amount	Utilization Status
   8000	2000	A

   Table 4-16 After E-Reverse of Decrease (2000)

   Available Amount	Utilization Amount	Utilization Status
   6000	4000	A

   Table 4-17 After Mature of 6000

   Available Amount	Utilization Amount	Utilization Status
   10000	0	L

   Unless specified otherwise all the transactions are considered to happen in sequence.
4. Click Save to save the record.

• View Collateral Utilization
  This topic describes the systematic instructions to view the collateral utilization.