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Cbe - v9.173

This page contains the following releases for v9.173:

v9.173​

Release Dates

  • Sandbox: 03.06.2026

Features​

Mortgages​

Non-scheduled fees fields renamed when feature is enabled​

When the ALLOW_NON_SCHEDULED_FEES feature toggle is on, three fields in the New Balance API response are renamed to reflect their scheduled-only scope: feesDue becomes scheduledFeesDue, feesBalance becomes scheduledFeesBalance, and feesPaid becomes scheduledFeesPaid.

Non-allocated fees paid now visible in the UI and API​

Users can now view non-allocated fees paid directly in the loan account interface, and the same data is surfaced through the API, giving both operators and integrations a complete picture of fee activity.

Custom payments for non-allocated fees now available in the UI​

Loan officers can now submit custom payments against non-allocated fees directly from the UI, removing the need for API-only workarounds.

Repayment validation prevents over-payment of a balance​

A new validation ensures that repayment amounts cannot exceed the balance they are intended to reduce, preventing erroneous over-payment entries.

Clear error message when loan product configuration is incomplete​

When a loan product has no allocation fees and the custom repayment option is not enabled, users now see an explicit error message rather than a silent failure.

New Dynamic Term Mortgage product type simplifies product management​

A new Dynamic Term Mortgage product type consolidates mortgage-specific features into a single, streamlined configuration, eliminating complex feature-flag checks and reducing the overhead of creating and managing mortgage products. This product type is available to customers with the Mambu Feature enabled.

Non-scheduled principal overpayment balance now included in schedule API response​

nonScheduledPrincipalBalanceOverpayment is now returned in the response body of GET /loans/{loanAccountId}/schedule when the PRINCIPAL_OVERPAYMENT feature flag is enabled, giving integrations direct access to overpayment balance data.

Loan account termination no longer blocked by capitalised fees​

Fixed an issue where the presence of capitalised fees prevented loan account termination from completing; termination now works correctly regardless of the fee type applied.

Groundwork for upcoming features​

  • Building out broken interest support for capital repayment loans, including a new feature toggle, updated loan product API parameters, UI configuration options, and first-instalment calculation logic.
  • Laying the foundation for carry-forward balances at reschedule and refinance, covering principal, interest, arrears state, and related fields.
  • Expanding principal overpayment handling to calculate and apply Early Repayment Charges (ERC) on non-scheduled overpayments and adjustments.
  • Enabling a custom interest application date on Interest Only Equal Instalment loans, including disbursement handling and repayment scheduling when the due date precedes the interest application date.
  • Extending equal-instalment support for longer first periods on simple interest loans, including carry-forward interest in the preview schedule API, late repayment options, and penalty behaviour.
  • Progressing the decommission of Pricing V1 endpoints by mapping missing entities to the V2 repayments API.
  • Extending automated transfer handling for transactions posted after midnight and on the interest application date.

Additional work​

  • Internal mortgage and lending backend changes including EOD performance rollouts, schedule regeneration fixes, caching improvements, and other non-customer-facing maintenance.

Accounting​

Groundwork for upcoming features​

  • Redesigning ledger reporting summaries to use an improved accounting summary algorithm, covering both the P&L report in the UI and the underlying common services layer.

Islamic Banking​

Proposal details display accuracy and consistency improvements​

Multiple display issues in the Proposal screens have been resolved: the total final profit amount now calculates correctly, product names and account IDs sort in ascending order, decimal precision is consistent between customer profit rate and adjusted rate fields, percentage value display is uniform throughout proposal details, and the average account balance figure is accurate.

Currency support added to the IPS UI​

The Islamic Profit Sharing UI now supports currency display, ensuring monetary values are presented with the correct currency context throughout the interface.

Cash flow balance calculation in pool cycles corrected​

Fixed an incorrect cash flow balance calculation occurring within pool cycles during scheduled jobs, ensuring profit-sharing computations reflect accurate balances.

Income and Expenses allocation method corrected​

Fixed an issue with the allocation method used in Income and Expenses calculations where the number of accounts was being computed incorrectly.

Linked Income and Expenses names now shown in pool information​

Pool details now display the names of linked Income and Expenses entries, giving users the context they need without navigating away from the pool view.

Groundwork for upcoming features​

  • Advancing IPS Proposal Creation (Milestone 5) with Income & Expenses detail views in the UI and updated product and pool accumulated account data fields on the Proposal Search endpoint.
  • Enabling eligible balance configuration in the IPS product configuration screen as part of ongoing configuration consistency work.
  • Continuing IPS profit-sharing job validation and test automation for Milestone 4 use cases.
  • Progressing in-cycle proposal handling for proposals raised mid-calculation cycle.
  • Renaming UI fields to align with updated terminology across the IPS interface.

Additional work​

  • Internal IPS backend and test infrastructure maintenance.

Developer​

Groundwork for upcoming features​

  • Migrating FSE schedule functions to functionless fields, including a schedule comparison algorithm and an extracted rounding service.
  • Designing and implementing the PrincipalService component, including the CurrentPrincipalBalance building block.
  • Defining the CrudRepository interface as part of core backend infrastructure work.

Additional work​

  • Internal developer tooling changes including a private API for adjusting first interest applied transactions and non-customer-facing backend maintenance.

Improvements​

Lending​

Patching loan products with Fixed Days of Months payment interval restored​

A regression that prevented PATCH requests on loan products when the Payment Interval Method is set to Fixed Days of Months has been resolved.

Pay-off performance improved for loans with large numbers of fees​

The pay-off loan endpoint has been optimised to handle accounts with a high volume of applied fees more efficiently, reducing processing time.

Interest applied before disbursement when targeting a linked deposit account​

When a loan disbursement targets a linked deposit account via POST /loans/{loanAccountId}/disbursement-transactions, interest is now applied before the disbursement is processed, ensuring correct balance handling.

Groundwork for upcoming features​

  • Building the database and infrastructure changes required for the Phase 1 MVP implementation of upcoming lending schedule enhancements.
  • Improvements to the internal SCT Schedule Comparison Tool to support high-level categorisation of schedule differences.
  • Enhancements to the proposal account details API to use updated internal cycle boundaries for profit accrual calculations in Islamic Banking.

Additional work​

  • Internal lending configuration and environment-level changes.

Deposits​

Accounting Summaries redesigned for improved reliability and performance​

The Accounting Summaries job has been re-engineered with a simplified computation algorithm that reduces run time and resolves known limitations including daylight savings time handling, accounting cut-off behaviour, and Allow EOD Time feature toggle interactions.

Groundwork for upcoming features​

  • Building the Update Internal Cycles Balance job for Islamic Banking, including batch processing and range-list retrieval for internal cycles.
  • Laying the groundwork for backdated AccountPaymentCycles creation in Islamic Banking.
  • Propagating execution context through deposits end-of-day jobs to support improved observability and processing control.

Additional work​

  • Internal deposits end-of-day and environment configuration changes.

Islamic Banking​

Groundwork for upcoming features​

  • Removing the Active status from CashFlow and product-related configuration settings as part of a broader configuration simplification initiative.

Cards​

Additional work​

  • Internal cards logging and transaction adjustments.

Access Control​

Reporting authorisation vulnerabilities resolved​

Two access control gaps in the reporting feature have been fixed: low-permission users could previously add new column presets, and a missing permission check allowed generation of organisation-wide reports without appropriate authorisation.

Additional work​

  • Internal support-user lifecycle automation.

Data​

Broken revolving accounts detected and recalculated via new API​

A new private endpoint at POST /recalculaterevolvingzeroprincipaldueschedule enables detection and recalculation of revolving broken accounts that fall outside the six standard categories, and now returns a meaningful response to confirm the outcome.

Additional work​

  • Internal data migration, cache, and configuration changes.

Developer​

Additional work​

  • Internal framework and infrastructure maintenance, including local cache configuration and asynchronous notification adjustments.

Bug fixes​

Mortgages​

Adjust Total Due option now visible for Dynamic Mortgages with Compound Interest​

The Adjust the total due for first repayment option is now correctly displayed in the UI for Dynamic Mortgages configured with Compound Interest.

Spurious interest-from-arrears transactions no longer logged when no late interest exists​

An interest-from-arrears transaction was incorrectly being recorded even when no late interest was present; this has been resolved.

Excess payment error resolved for custom repayments on Interest Only Loans​

Posting a custom repayment in interest on an Interest Only Loan no longer incorrectly returns an "Excess payment" error.

Lock account function correctly disabled for Mortgage accounts​

The lock account function is now properly disabled for Mortgage accounts, preventing it from being applied where it is not supported.

PrepaymentRecalculationMethod now correctly populated on product edit​

The PrepaymentRecalculationMethod field was not being populated correctly when editing a product; this is now resolved.

Schedule preview on loan creation now displays correctly​

The schedule preview shown during loan creation was not rendering correctly; this has been fixed to display accurate schedule information.

Incorrect accounting bookings for Interest Only Loans with principal overpayments resolved​

Accounting bookings for Interest Only Loans are now correct when an overpayment against the principal balance is posted.

Reschedule now works correctly when Flexible Terms is enabled without non-scheduled fees​

A UI issue preventing rescheduling from working when Flexible Terms was enabled but no non-scheduled fees were present has been resolved.

Backdated fee application now produces the correct balance change application date​

Applying a backdated fee no longer results in an incorrect balance change application date.

Schedule calculation corrected when a full due is paid and an instalment is partially paid​

An incorrect schedule calculation that occurred when FullDueIsPaid was set and an instalment was only partially paid has been fixed.

Principal overpayment bulk adjustment failure resolved​

A failure occurring during bulk adjustment of principal overpayments has been corrected.

UI issues on Principal Overpayment resolved​

Several UI bugs affecting the Principal Overpayment workflow have been fixed.

Interest accrual between repayments now functioning correctly​

Interest was not being accrued between repayments in certain configurations; this has been resolved.

Lending​

Fixed-term loans with holiday periods no longer throw an exception during schedule generation​

A NegativePrincipalForRepaymentException that occurred when generating a schedule for a fixed-term loan configured with a holiday period has been resolved.

Tax on penalty calculation corrected for Fixed Term Loan accounts​

taxOnPenalty at the instalment level was previously calculated as the sum of taxOnPenalty from individual penalty transactions rather than being derived from the overall penaltyDue amount, causing rounding discrepancies; this is now resolved and delivered under the feature toggle fixInstallmentTaxOnPenalty.

Validation error when adjusting a repayment transaction resolved​

A validation error that prevented repayment transactions from being adjusted has been fixed.

Consistent response bodies across loan search and get endpoints​

A custom field from disbursement details was present in the POST /loans:search response but absent from GET /loans/{loanAccountId}; both endpoints now return consistent response bodies.

Non-zero principal instalments can now be deleted via the Schedule Edit V2 API​

The Schedule Edit V2 API now allows instalments with a principal amount greater than zero to be deleted, bringing API behaviour in line with the UI.

Custom fields on active Tranche Loan accounts can now be updated via API v2​

A PATCH request to update custom fields on an active Tranche Loan account via API v2 was failing; this has been resolved.

Accounting​

Date offset calculation corrected near Daylight Saving Time transitions​

DateUtils.toDateWithOrgOffsetAdjust was returning an incorrect date when a Daylight Saving Time boundary was near; this has been fixed.

Islamic Banking​

Account details results corrected for IPS account detail reports​

Certain account detail results returned by IPS reports were incorrect; this has been resolved.

Clients and Groups​

Search no longer enforces minimum length for IDs that are not the first search term​

The minimum search length restriction for ID fields is no longer applied when the ID is not the first term in the search query, improving search flexibility.

Custom field patching errors resolved for groups​

Errors occurring when patching a group custom field with an invalid group index, and when handling free-text custom field responses, have been fixed.

Deposits​

Notes now saved when changing the overdraft interest rate on a deposit account​

When adjusting overdraft terms and updating only the interest rate with a note, the note is now correctly attached to the resulting Overdraft Interest Rate Changed transaction.

Accounts linked to inactive products now processed by the Interest Accrual Breakdown job​

The Interest Accrual Breakdown job was skipping accounts linked to inactive products; the validation requiring an active product has been removed so all eligible accounts are processed correctly.

Additional work​

  • Internal fix for GSON parsing following a JDK 17 upgrade.

v9.173.2​

Release Date: 03.06.2026

Improvements​

Data​

Accurate schedule calculations for fee-activated accounts with changed loan terms​

Previously, accounts activated with a fee did not contain LoanTransactionTerms details within the loan transaction history for the first transaction, causing inaccurate schedule calculations when loan terms were altered throughout the account's history. This has been resolved.

Additional work​

  • Non-customer-facing data configuration changes.

Bug fixes​

Data​

Adjusting a fee no longer incorrectly invalidates the full reserve​

Correcting a fee adjustment that was causing the associated reserve to be fully invalidated.

v9.173.1​

Release Date: 03.06.2026

Features​

Data​

Groundwork for upcoming features​

  • Groundwork for custom field optimisation for savings transactions, enabling improved search and custom view performance.

Improvements​

Data​

Additional work​

  • Non-customer-facing data maintenance and configuration changes.

Bug fixes​

Mortgages​

Payment holiday interest now correctly reflected on the repayment schedule​

Fixed an issue where interest applied during a payment holiday was not shown on the loan repayment schedule.

IFA decoupling setting preserved when updating other product-level options​

Fixed an issue where the IFA decoupling flag was unintentionally reset to false on loan products with active accounts when other product-level settings were modified.

Corrected interest calculation on IFA-decoupled loans after prepayment​

Fixed schedule interest calculation after prepayments on dynamic mortgage accounts, where the system was using an incorrect value for the loan account schedule Interest Expected / Interest Due date.

Developer​

Improved resiliency for long-running idempotent API requests​

Improved error handling for cases where the API takes several minutes to process idempotent requests, preventing the monitoring thread from stalling unexpectedly.

For more information, see Mambu Release Cycle.

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