The process wherein a collateral is given to a customer and is utilized by him is called a Utilization Process. Utilization Process is termed as a New Utilization when the customer links the collateral as security first time against a new contract. A New Utilization Transaction can arise from any kind of transaction like Loan input, Letter of credit input, Bill/Collection input, foreign exchange deal input, and so on.

• New Utilization action increases the Utilization Amount and decreases the Available Amount for the associated collateral.