The process wherein a facility 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 utilizes his facility for the first time as 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 Liability, Facility, or Exposure. If the Liability, Facility or Exposure has an associated parent entity then the utilization will reflect at all the parent levels.