This is not accounting. Neither is it economics.
It is banking.
An approved loan amount is different from the amount drawn down.
The amount actually drawn down is the amount the borrower has utilised and, subject to repayments and other contractual charges, owes the bank.
He is simply explaining that a borrower can have an approved credit limit of ₦10 billion but draw down only ₦100 million.
The borrower does not owe ₦10 billion simply because that amount was approved.
The actual loan exposure arises from the amount disbursed and outstanding, not merely the approved facility limit.
That is precisely why he used the term "drawdown"
People who really want to be there for you, are very rare. Please, anyone who lends you any kind of hand, or looks even in the slightest in your direction in these times especially, please treat well and honor them. Yes; Only God blesses, but He would bless you THROUGH people.