Cbe - v9.174
This page contains the following releases for v9.174:
v9.174
Release Dates
- Sandbox: 03.06.2026
Features
Data
Carry-forward interest displayed on loan schedule
The loan account Schedule page and schedule preview now show carried-forward interest, giving users a clear, accurate view of how prior-period interest balances flow into the repayment schedule.
Non-scheduled fees balance visible on pay-off and reduce-balance screens
The pay-off screen now includes the non-scheduled fees balance, and the reduce-balance screen surfaces the balance-only fee balance, ensuring users have complete fee visibility when closing or reducing a loan.
Loan transaction detail view uses clearer fee balance label
The fees balance field in the loan transaction detail view has been renamed to Scheduled Fees Balance, reducing ambiguity between scheduled and non-scheduled fee balances.
Loan account balances endpoint returns values rounded to two decimal places
The loan account balances API now limits returned values to two decimal places, ensuring consistent and predictable numeric precision for downstream integrations.
Fee schedule allocation method locked for products with active accounts
Modifying the fee schedule allocation method is now prevented for loan products that already have accounts, and a Confirm Changes dialog is presented when editing such products, protecting the integrity of existing account data.
Non-scheduled fee product configuration errors resolved
An error that occurred when opening a loan product containing a non-scheduled fee with active accounts has been fixed, and the amortization profile option is now correctly disabled for non-schedule-allocated fees.
Non-scheduled fees balance calculations and UI updated
Balance calculation values and UI display for non-scheduled fees have been updated to reflect accurate balances across relevant loan account screens.
Future value of interest from arrears returned in preview pay-off API
The preview pay-off API now returns the future value of Interest from Arrears (IFA), enabling integrations to present a more accurate projected pay-off amount.
Interest-bearing fees configurable and applied independently of the repayment schedule
Loan products can now be configured with interest-bearing fees that are decoupled from the repayment schedule, and the five associated loan account balances are exposed via the UI and API, giving lenders greater flexibility in fee structuring.
Carry-forward or capitalise income balances at reschedule or refinance
Lenders can now choose whether to capitalise income balances or carry them forward when rescheduling or refinancing a loan, providing greater control over how outstanding balances are handled at restructure.
Groundwork for upcoming features
- Broken interest logic for capital repayment loans (DBEI/FSE), including fixed-day-of-month support, edit-schedule integration, and product/account configuration forwarding to the FSE contract.
- Prepayment schedule computation with remaining accrued interest for equal-instalment simple-interest loans.
- Islamic Profit Sharing (IPS) cycle management, status updates, and average balance calculation corrections ahead of full profit-sharing accounting delivery.
- IPS end-of-day jobs adapted to process lists of profit-sharing proposals.
- Deposits-to-ledger accrual reporting and post-midnight transaction balance handling for deposits.
- Flexible Schedule Engine regeneration process, due-date component extraction, and installment index exposure to division functions.
Additional work
- Internal backend changes across EOD architecture, ledger module structure, repository interfaces, and schedule tooling.
Improvements
Data
Additional work
- Non-customer-facing internal data and infrastructure changes.
Analytics
Faster computation of savings indicators with reduced timeout risk
A processing window has been introduced to compute a subset of savings indicators — including active accounts, total deposits, overdraft, and active account holders by segment — significantly reducing the probability of timeouts during indicator calculation.
Additional work
- Non-customer-facing environment configuration and feature-flag changes.
Mortgages
Fees display renamed to Scheduled Fee in the UI
The Fees label in the mortgage product UI has been renamed to Scheduled Fee, providing clearer terminology that distinguishes scheduled fees from other fee types.
Groundwork for upcoming features
- Building support for applying non-scheduled overpayments without allocating them to scheduled instalments as part of the dynamic mortgage product.
Lending
Groundwork for upcoming features
- Laying the groundwork for Phase 1 MVP implementation of updated loan account setup and product configuration, including amortisation profile management.
Deposits
Groundwork for upcoming features
- Building bulk authorisation holds API for cards, including new deposits modules, endpoint exposure, and supporting data layer work.
- Preparing asynchronous notifications support on deposit-related endpoints, including deposit edit and deposit transactions.
- Implementing aggressive caching of general settings configuration data to improve performance.
Accounting
Additional work
- Non-customer-facing accounting fixes to prevent duplicate accounting rules.
Islamic Banking
Groundwork for upcoming features
- Building batch processing infrastructure for applying profit and splitting payment cycles, in preparation for scalable Islamic Banking accounting operations.
Developer
Groundwork for upcoming features
- Migrating installment fields (
INTEREST_PAID,PRINCIPAL_PAID,PENALTY_PAID,FEE_PAID,FEE_DUE,STATE) to functionless fields as part of the FSE functions migration initiative. - Enriching the execution context with organisation time, currency, and overdraft interest EOD balance method switch date to support downstream processing improvements.
- Integrating the Loan Transactions Custom Methods flow (API V2) with the Revolving submodule as part of the revolving code separation initiative.
Bug fixes
Deposits
Withholding tax can now be applied to accounts in arrears
When an account was in the In Arrears state, withholding taxes could not be applied. This has now been fixed.
Interest accrual reporting job correctly handles products with default accrual configuration
Resolved an issue where the DEPOSITS_ACCRUED_AMOUNTS_PROVISIONING job would not send ledger information for accounts belonging to products that had not been updated after the ENABLE_DEPOSITS_INTEREST_ACCRUAL_REPORTING feature toggle was enabled. Products whose interestAccrualCalculation remained at the default value of NONE are now handled correctly.
Overdraft limit correctly determined for backdated transactions in arrears scenarios
Resolved an issue where the system failed to accurately determine the applicable overdraft limit for backdated transactions in specific arrears account balance scenarios.
Booking date now reflects the correct accounting period when cut-off time is enabled
Fixed an issue where the booking date was not correctly adjusted when the Accounting Cut-Off time feature was enabled and a transaction fell within the cut-off period. The booking date now reflects the intended accounting period, aligned with the configured cut-off time.
Lending
GET /loans v2 now correctly returns loans with written-off or rejected closed states
Fixed an issue where filtering by accountState=CLOSED_WRITTEN_OFF or accountState=CLOSED_REJECTED in the GET /loans v2 API returned an INVALID_ACCOUNT_STATE error. The endpoint now returns a 200 OK response with the matching loan accounts as expected.
Loan schedule is now recomputed when terms are updated via PATCH v2
Resolved an issue in the PATCH v2 API where updating loan terms for fixed-term loans in Partial Application or Pending Approval status did not trigger a recalculation of the repayment schedule. This fix also applies to the PUT /loans/{loanAccountId} endpoint, bringing v2 behaviour in line with v1.
GET /loanproducts v2 no longer misapplies dynamic-product enhancements to fixed loan products
Fixed an issue where fixed loan products were incorrectly processed through enhancement steps intended only for dynamic loan products — such as payment holiday options and amortization period fields — causing errors in the GET /loanproducts v2 API.
Payoff preview now accounts for redraw balance
The /loans/{accountId}:previewPayOffAmounts endpoint now correctly includes the redraw balance when calculating the total amount due for loan payoff.
Locking an already-locked account no longer returns an error
The loans/{accountId}/lock-transactions endpoint no longer throws the CANT_EDIT_LOCKED_ACCOUNT_DUE_AMOUNT_TYPE error when an account is locked more than once or when lockedAccountDueAmountType is not set.
Additional work
- Non-customer-facing lending fixes and internal maintenance.
Mortgages
PMT threshold can now be saved on Interest Only Equal Instalments products
Resolved an issue that prevented the PMT threshold from being saved on IOEI products.
Journal entries for overpayments on Interest Only loans are now correctly recorded
Fixed incorrect journal entries being logged for overpayments on Interest Only loans.
Dynamic mortgage products can now be created successfully
Resolved an issue that prevented dynamic mortgage products from being created.
Future interest calculation corrected for loans with AIR and compounding interest
Fixed an incorrect future interest calculation affecting loans that use an Annual Interest Rate with compounding interest.
Interest applied amount corrected for IO and DBEI loans with late instalments
Fixed an issue where an incorrect interest applied amount was recorded on Interest Only and DBEI loans when a late instalment was present and Accrue Late Interest was set to false.
Broken interest no longer incorrectly triggered on IOEI loans
Resolved an issue where broken interest logic was being invoked on Interest Only Equal Instalments loans in scenarios where it should not apply.
Broken interest now correctly invoked on the next instalment when no First Repayment Date is set
Fixed an issue where broken interest was not triggered on the next instalment for FSE loans when no First Repayment Date had been configured.
Fee reduction no longer fails when refinancing or rescheduling a loan
Resolved an issue where reducing a fee amount during a loan refinance or reschedule operation caused the process to fail.
Closing balance on interest applied transactions corrected for Interest Only loans
Fixed an incorrect closing balance being recorded on interest applied transactions for Interest Only loans.
Accounting
Manual journal entries can now be posted across branches when one entry has no branch assigned
Fixed an issue where posting manual journal entries failed when one entry was assigned to a specific branch and another had no branch assigned.
Islamic Banking
Internal cycle balances no longer calculated over more days than the cycle period
Fixed an issue where internal cycle balances were being calculated across a greater number of days than the defined cycle period.
Aggregated product balances now correct for shifted payment cycles
Resolved an issue where aggregated product balances for the previous month were incorrect in shifted payment cycle scenarios.
Profit rates of 10% or greater can now be stored in pool and product cycles
Fixed an issue that prevented profit rates greater than or equal to 10% from being saved in pool and product cycles.
Current Account products can now be created successfully
Resolved an issue that prevented Current Account products from being created.
Developer
Custom field configuration changes for transaction channels now take effect immediately
Fixed a caching issue that could prevent an updated custom field definition for a transaction channel from being reflected straight away.
Additional work
- Non-customer-facing developer tooling and API fixes.
v9.174.6
Release Date: 03.06.2026
Improvements
Data
Groundwork for upcoming features
- Ongoing separation and consolidation of revolving credit logic to support a cleaner, more maintainable product architecture.
Additional work
- Internal refactoring of loan account method integrations with no customer-observable changes.
v9.174.5
Release Date: 03.06.2026
Improvements
Data
Additional work
- Non-customer-facing data maintenance and internal refactoring.
v9.174.4
Release Date: 03.06.2026
Improvements
Data
Additional work
- Non-customer-facing data maintenance and internal test fixes.
Bug fixes
Mortgages
Corrected interest applied amount on interest-only loans with late instalments
Fixed an issue where an incorrect interest applied amount was calculated on interest-only loans when an instalment was paid late.
Corrected GL entries when reversing or adjusting repayments that include arrears interest
Fixed incorrect general ledger entries generated during the reversal or adjustment of repayments that settled interest from arrears.
Corrected interest calculation on declining balance loans with multiple partial prepayments
Fixed an issue where interest was calculated incorrectly on declining balance equal instalment loans when multiple partial prepayments had been made and interest was applied or paid alongside those prepayments.
Corrected schedule recalculation after backdated overpayments on interest-only loans
Fixed schedule interest calculation after overpayments made before the due date on dynamic mortgage accounts, where the system was previously applying an incorrect calculation to the loan account schedule.
Corrected interest and payment computation after multiple overpayments on compound loans
Fixed an issue where interest and payment amounts were computed incorrectly following a second overpayment on a loan using new compound interest.
Additional work
- Non-customer-facing release preparation changes.
v9.174.3
Release Date: 03.06.2026
Improvements
Data
Additional work
- Internal backend integration work across loan account API subflows.
v9.174.2
Release Date: 03.06.2026
Improvements
Data
Groundwork for upcoming features
- Ongoing integration of loan account API v2 subflows with the Reload and Revolving submodules, advancing the separation of product-specific logic in preparation for future lending capabilities.
Additional work
- Internal loan account subflow and module integration work.
Bug fixes
Mortgages
Fixed loan account creation and editing restored
A regression that prevented creating or editing loan accounts for fixed loan products has been resolved.
v9.174.1
Release Date: 03.06.2026
Improvements
Data
Early Repayment Charge reset now honours the configured end date
The ERC reset cron job now correctly resets the Early Repayment Charge value to zero on the end date specified in the custom field, preventing stale charges from persisting beyond their intended period.
Additional work
- Non-customer-facing data fixes.
Bug fixes
Deposits
Deposit account custom field values now visible in transaction views
Custom field values associated with deposit accounts were missing from deposit transaction views and are now correctly displayed.
For more information, see Mambu Release Cycle.