2.13 Collateral Utilization Transaction

This topic provides the information on Collateral Utilization Transaction.

The Collateral Utilization screen (GCDUTILS) is a dedicated screen for capturing utilization request specific to collaterals. You can either capture the collateral utilization request through GEDUTILS or GCDUTILS screen.

Note:

The fields, which are marked with an asterisk, are mandatory.

1. On the Home screen, specify GCDUTILS in the text box and click the icon.
   The Collateral Utilization screen is displayed.

   Figure 2-97 Collateral Utilization

   
   

   
   Description of "Figure 2-97 Collateral Utilization"

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

   Table 2-111 Collateral Utilization - Field Description

   Field	Description
   Utilization Branch	Branch Code is displayed here. It indicates the transaction branch code.
   Action	During new utilization, you can perform below mentioned operations for the entities (Collateral, pool, liability and exposure linked to liability). New Utilization Increase Utilization Decrease Utilization Alter Utilization Reverse Utilization Re-open Utilization Mature Delete For more information on the utilizations refer examples listed after this table.
   Maturity Date	Specify the date on which the transaction matures. Entity’s expiry date cannot be prior to the transaction maturity date.
   User Reference	Specify a unique reference number for the transaction.
   Simulate	Select this check box 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 simulated transaction has been successfully put through, the system displays the utilized amount for the facility and the liability.
   Force Process Ovd	Specify whether the transaction should ignore the overrides occurred in the process or not.
   Utilization ID	Indicates the transaction ID.
   Customer No	Specify a valid customer number for the transaction. The adjoining option list contains all the customers maintained in the system.
   Entity Type	Select the Entity Type from the drop-down list. The options available are: Liability Collateral Collateral Pool
   Default Liability	When a customer number is selected from list of values, default liability flag is checked by default and Liability No column shows the liability to which this customer is linked as default. If a customer is linked to multiple liabilities and block transaction needs to consider the entity belonging to a liability which is not default, then default liability needs to be unchecked and liability number can be selected from list of values against this field.
   Liability No	Liability which is linked to customer in Customer to Liability Link Maintenance screen (GEDCULIK).
   Liability Currency	The currency with which the liability is associated.
   Utilization Currency	Specify 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	The amount tag entered in Amount Tag Maintenance screen is displayed here. Amount tag would be required when there are multiple utilization for the same reference number. This tag would indicate which component needs to be authorized.
   Utilization Product	Specify the product for the transaction. The adjoining option list contains all the relevant products.
   Liability Utilized Amount	The system displays the utilization amount in liability currency.
   Collateral Code	Specify the collateral code here. Each Collateral code should be unique.
   Pool Code	Select the Pool Code for utilization transaction.
   Utilization Status	The system updates the Utilization Status based on the actions performed on the utilization transaction.
   Tenor Basis	Click the toggle status to indicate that the utilization should be tracked tenor wise for the facility.
   Tenor	Enter the basis on which tenor tracking should be done for the utilization. You need to check the ‘Tenor Basis’ option before you specify the basis here.
   Maturity Date	Specify the date on which the transaction matures.
   Matured Amount	Specify the maturity amount of the transaction.
   Value Date	Specify the value date for the transaction.
   Module	The module from which the transactions are triggered is displayed here.
   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).
   Exposure Block Number	Specify a unique number for the block you are creating. The system does not allow you to modify this number after authorization.
   Ignore Overrides	Enable this check box to ignore overrides
   Exchange Rate	Specify the Exchange Rate for cross currency utilization transaction. The utilization amount for the Limit Entities Collateral, Pool, Liability and Exposure linked to liability will be calculated in the mentioned utilization currency directly using this exchange rate instead of the exchange rate mentioned in GEDPARAM. 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 GEDUTILS will be used only for the calculation of direct limit entities block.
   Block Reference Number	If you enter the block reference number, you can utilize the collateral amount to extend of block amount. On utilization of block amount, the extent of the amount utilized is released from the block amount, thus the block amount is reduced. If you try to utilize more than collateral amount, the system gives an override. 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.

   New Utilization

   Table 2-112 Before Utilization

   Available Amount	Utilization Amount	Utilization Status
   10000	0	A

   Table 2-113 After Utilization of 1000

   Available Amount	Utilization Amount	Utilization Status
   9000	1000	A

   Alter Utilization

   Table 2-114 After New Utilization of 1000

   Available Amount	Utilization Amount	Utilization Status
   9000	1000	A

   Table 2-115 After Alter Utilization of 3000

   Available Amount	Utilization Amount	Utilization Status
   7000	3000	A

   Table 2-116 After Alter Utilization of 2000

   Available Amount	Utilization Amount	Utilization Status
   8000	2000	A

   Increase Utilization

   Table 2-117 After New Utilization of 1000

   Available Amount	Utilization Amount	Utilization Status
   9000	1000	A

   Table 2-118 After Increase of 1000

   Available Amount	Utilization Amount	Utilization Status
   8000	2000	A

   Decrease Utilization

   Table 2-119 After New Block of 1000

   Available Amount	Utilization Amount	Utilization Status
   9000	1000	A

   Table 2-120 After Decrease of 500

   Available Amount	Utilization Amount	Utilization Status
   9500	500	A

   Reverse Utilization

   Table 2-121 After Utilization

   Available Amount	Utilization Amount	Utilization Status
   8000	2000	A

   Table 2-122 After Reverse of Utilization

   Available Amount	Utilization Amount	Utilization Status
   10000	0	R

   Reopen Utilization

   Table 2-123 After Utilization

   Available Amount	Utilization Amount	Utilization Status
   10000	0	A

   Table 2-124 After Reopen of Utilization

   Available Amount	Utilization Amount	Utilization Status
   10000	0	A

   Liquidate Utilization

   Table 2-125 After Utilization

   Available Amount	Utilization Amount	Utilization Status
   8000	2000	A

   Table 2-126 After Liquidation of Utilization

   Available Amount	Available Amount	Available Amount
   10000	0	L

3. Click Save to save the record.