This topic describes about exposure tracking maintenance

1. GICS Exposures:Exposure Dashboard > Exposure Hierarchy Using Presets > Select Preset > Define Exposure > Exposure Tracking Maintenance.
2. Custom Exposures: Exposure Dashboard > New Exposure Hierarchy > Exposure Tracking Maintenance.
3. Atomic Exposures: Exposure Dashboard > New Exposure Hierarchy > Exposure Tracking Maintenance.
   The Exposure Tracking Maintenance screen displays.

   Figure 3-10 Exposure Tracking Maintenance

   
   

   
   Description of "Figure 3-10 Exposure Tracking Maintenance"

   
   

   For more information on fields, refer to the field to the field description table below.

   Table 3-12 Exposure Tracking Maintenance

   Fields	Description
   Exposure Type	Defaults based on the exposure maintenance or selection. GICS: Based on the selected Sector, Industry Group, Industry and Sub Industry. Custom: Based on the maintenance in ‘Exposure Maintenance’ screen.
   Exposure Type Code	Defaults based on the selected Exposure Type. GICS: defaulted as ‘GICS’ Custom: As maintained in the 'Exposure Type Code Maintenance' screen.
   Exposure Code	Lists all available exposure codes based on the Exposure Type Code and Exposure Type. This field is pre-selected when navigating from the 'Define Exposure' screen via the 'Configure' option. It can also be specified during the 'Add Child' option. The code maintained here can be linked to a customer or its facilities. Multiple exposure codes can be linked and tracked against a customer and their facilities.
   Exposure Description	Defaults based on the selected exposure type.
   Parent Exposure Code	Defaults based on the exposure maintenance or selection. GICS: Based on the selected Sector, Industry Group, Industry, and Sub-Industry. Custom: Based on the maintenance in the 'Exposure Maintenance' screen.
   Parent Exposure Description	Defaults based on the selected parent exposure code.
   Agency Name	Select the rating agency name for the exposure, fetched from Credit Rating and Score Maintenance.
   Credit Rating Agency Type	Defaults based on the selected rating agency as Internal (I) or External (E).
   Exposure Rating	Select the rating for this exposure as provided by the selected rating agency. Note: Banks rate exposures to measure and manage the level of risk associated with different types of lending or commitments. Rating exposures in ELCM helps the bank quantify and manage risk (exposure towards a sector), comply with capital requirements (Basel - assign more capital to riskier exposures), support strategic decision-making, and ensure prudent lending.
   Rating Remarks	Provide remarks to help understand the selected exposure rating.
   Utilization Type	Indicate whether the exposure is to be linked with a customer or transaction. Note: The exposure code maintained here can be linked in the Customer to Liability Link Maintenance screen if the Utilization Type is 'Customer' and in the Facilities Maintenance screen if the Utilization Type is 'Transaction'. Utilization Type should be consistent for all exposures in a hierarchy.
   Revolving	The exposure code maintained here can be linked in the Customer to Liability Link Maintenance screen if the Utilization Type is 'Customer' and in the Facilities Maintenance screen if the Utilization Type is 'Transaction'. Utilization Type should be consistent for all exposures in a hierarchy. Note: You cannot configure revolving exposure under non-revolving parent exposure.
   Freeze	Select this checkbox to indicate that the exposure is frozen. Utilization under such exposures is not allowed.
   Currency	Specify the currency in which the exposure limit is set and tracking is to be done. Once authorized, this field becomes non-amendable.
   Exposure Amount	Specify the exposure limit amount to be maintained for each exposure tracking maintenance. The system validates during utilization when the utilization amount crosses the exposure amount.
   Headroom Amount	This display field shows the Headroom Limit, derived by deducting the sum of effective line amounts of linked facilities from the exposure amount. The Headroom Limit updates only if the Utilization Type is 'Transaction' and the exposure is linked to or de-linked from the facility. It is displayed in terms of the exposure currency of the facilities linked to the exposure. The system updates the Headroom Limit for both the linked exposure and the exposures up the hierarchy.
   Utilization Amount	The system displays utilization for the exposure in this field. Utilizations hitting a particular facility or liability update the utilization amount of the linked exposure and related exposures up the hierarchy.
   Block Amount	The system updates the block amount for both the linked exposure and the exposures up the hierarchy. When the blocked amount is utilized, the linked exposure and exposures up in the hierarchy are updated with utilization, and the block amount is removed
   Available Amount	This is the limit amount considered when processing utilization requests for an exposure. It is calculated as: Exposure Available Amount = Exposure Limit Amount – Utilization – Exposure block amount
   Effective Date	Defaults to the current system date, signifying when the maintained exposure becomes applicable.
   Expiry Date	Specify the expiry date after which the maintained exposure is not applicable for tracking. The system updates the Freeze status to 'Y' post-expiry, making it unavailable for utilization.
   Review Date	Specify the exposure review date for informational purposes. Exposures can be reviewed as utilization against the limit amount and updated per policy requirements.
   Exposure Schedules	Configure scheduled limit updates for the exposure by defining multiple future exposure schedules with specific value dates and corresponding exposure amounts. On the value date, the system updates the exposure limit amount, and the available balance is recalculated. Note: The system defaults the current exposure amount and effective date as the first record under exposure schedules.

   Note:

   While configuring a child node from the 'Define Exposure' screen, attributes such as Parent Exposure Code, Parent Exposure Description, Agency Name, Agency Type, Exposure Rating, Rating Remarks, Utilization Type, Exposure Amount, and Expiry Date default from the parent node. These can be modified as required.
4. Click Save to save the record.