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Cbe - v9.180

This page contains the following releases for v9.180:

v9.180​

Release Dates

  • Sandbox: 03.06.2026

Features​

Mortgages​

Choose a prepayment recalculation method when making principal overpayments​

When submitting a non-allocated principal overpayment, you can now specify the prepayment recalculation method directly at repayment time — both via the API and in the UI — giving you greater control over how the loan schedule is adjusted after an overpayment.

Actual/Actual interest calculation now available for mortgage products​

The Actual/Actual days-in-year convention can now be selected for interest calculation on mortgage products, accessible through both the API and the product configuration UI.

UI restrictions removed for Dynamic Term Loans​

Previously introduced UI restrictions on Dynamic Term Loans have been lifted, restoring full configuration access for these products.

Groundwork for upcoming features​

  • Building support for redraw functionality on Dynamic Mortgage products, including backdated schedule retrieval.

Additional work​

  • Internal mortgage architecture and query mapping improvements.

Lending​

Filter loan searches by assigned branch​

In the POST /loans:search endpoint, assignedBranchKey can now be included in filterCriteria, closing a gap between API v2 and API v1 where branch-based filtering was previously only available via the legacy /loans endpoint.

Groundwork for upcoming features​

  • Extending interest splitting logic to support equal installments for longer first periods on simple interest Optimised Payment loans.

Additional work​

  • Internal lending EOD architecture and schedule computation improvements.

Deposits​

Improved search filtering for deposit account balance summaries​

Deposit account balance summary searches now support a broader set of filter operators, enabling more precise and flexible queries against account balance data.

Additional work​

  • Internal deposit product feature cache and code-linking maintenance.

Islamic Banking​

Greater control over daily profit accrual calculation and timing​

Two new configuration options are available for Shari'ah-compliant deposit products: accruedProfitAmountCalculationMethod controls how the daily profit amount is calculated (choosing from CUSTOMER_PROFIT_RATE_AFTER_ADJUSTMENT, CUSTOMER_PROFIT_RATE, or CUSTOMER_PROFIT_RATE_WITH_CAPPED_RATE), and profitAccrualPoint defines whether accrued profit is posted on the CURRENT_ACCRUAL_DATE or NEXT_ACCRUAL_DATE. Both settings are configurable via the Profit Sharing Service API and the deposit product settings UI, and are available to all customers with the Islamic Banking module enabled.

Groundwork for upcoming features​

  • Laying the groundwork for pool-level accounting, including Mudarib share handling and profit-applied adjustment support.

Transactions and Interest​

Additional work​

  • Non-customer-facing data fix to prevent corruption when concurrent API v1 and v2 calls write to savings transaction custom field value tables.

Data​

Additional work​

  • Internal financial schedule engine refactoring and logging fixes.

Improvements​

Data​

Broken account consistency detected after repayment​

When a repayment breaks the consistency of a revolving credit account, the inconsistency is now automatically detected and recorded in the new BrokenAccountOverview and BrokenAccountHistory tables, enabling faster diagnosis and remediation.

Compound accrued interest daily for deposit accounts​

A new Deposits Credit Interest Compounding product feature (available as Early Access) enables daily compounding of accrued credit interest on deposit accounts, with safeguards that prevent incompatible product updates and control which user permissions can create the feature — even when active accounts exist.

Trial balance report now uses lastEntryId for unsummarised journal entries​

The Trial Balance UI report now uses lastEntryId instead of creation date when processing unsummarised general ledger journal entries, improving accuracy and consistency of accounting summaries.

Groundwork for upcoming features​

  • Caching support for currency and transaction channel lookups is being introduced to underpin the Bulk Withdrawal Transactions API.
  • Internal routing for card transaction creation and reversal steps is being migrated to the Orchestrator in preparation for a cleaner separation of revolving credit logic.
  • Groundwork for daily accrual enhancements in Islamic Banking, including a new daily_accrual_amount field and adjusted GL postings for the updated accrual calculation point.
  • Repository and balance-flow methods are being built to support a high-throughput fixed-term loan repayment API and configurable repayment allocation order.
  • Flexible Schedule Engine improvements are in progress, covering configuration state isolation across versions, regeneration version increments, and latest-schedule retrieval.
  • Groundwork for planned fees configuration on Dynamic Mortgage products.
  • Feature toggle infrastructure for the Actual/Actual days-in-year interest calculation method for mortgage products.
  • Feature toggle for prepayment recalculation method selection on principal overpayments.

Additional work​

  • Internal maintenance across lending, mortgages, deposits, Islamic banking, accounting, and platform configuration, including toggle enablements, internal refactors, performance improvements, and architecture compliance fixes.

Mortgages​

Configure planned fees on Dynamic Mortgage products​

Administrators can now configure planned fees for Dynamic Mortgage products via both the UI and API, bringing Dynamic Mortgages to parity with other mortgage product types for fee management.

Groundwork for upcoming features​

  • The Interest Only Equal Instalments payoff preview calculation is being aligned with actual repayment behaviour for mortgage accounts.
  • Support for the Actual/Actual days-in-year interest calculation method is being prepared for mortgage products.
  • Redraw support for the Dynamic Mortgage product is progressing, including hiding the IOI option on product configuration.

Additional work​

  • Internal mortgage maintenance, including toggle investigations, exception handling fixes, test cleanup, and architecture documentation.

Deposits​

Groundwork for upcoming features​

  • Performance instrumentation is being extended to the deposit accounts search endpoint to support ongoing cursor-based pagination investigations.

Additional work​

  • Internal deposits configuration changes, including feature state adjustments.

Accounting​

Additional work​

  • Internal accounting architecture fixes and compliance updates.

Islamic Banking​

Additional work​

  • Internal Islamic Banking maintenance, including unit test fixes and daily accrual GL posting adjustments.

Developer​

Additional work​

  • Internal developer tooling updates, including OpenAPI breaking-change detection and permission-denied logging improvements.

Bug fixes​

Lending​

Payoff transactions now apply the correct interest amount​

Addressed a calculation error where payoff transactions used a lower interest amount than the repayment schedule, ensuring the correct interest is applied during settlement and preventing cases where a closed account still shows a balance due.

Interest no longer accrues on accounts with a zero outstanding balance​

In edge cases where an account was fully paid off, interest could still be calculated based on an incorrect principal amount from the schedule. The calculation now correctly uses the actual transaction-based principal, ensuring no interest is accrued when the true outstanding balance is zero or less.

Interest calculation corrected after new disbursements within a billing cycle​

Previously, after a new disbursement within a billing cycle, the interest due for an installment could sometimes be incorrectly inflated. The calculation now considers only the principal balance applicable to that specific billing period.

Reschedule action no longer fails on accounts with redraw enabled​

Fixes an error that occurred when performing the reschedule action on accounts with the redraw feature enabled.

Loan transaction search now handles custom field filters correctly​

Fixed an issue where the /api/loans/transactions:search API returned internal errors when filtering by custom fields such as _lendingAccount. The system now correctly processes search requests that include custom field filters.

Fixed a bug where interest reductions from a loan payoff were not correctly reflected in the repayment schedule, which previously caused the final payment to incorrectly show a remaining interest balance even after the loan was fully paid off.

Loan account PATCH requests no longer fail due to unrelated field validation​

Fixed an issue where PATCH requests to update loan accounts incorrectly triggered validation against current loan product constraints for fields not included in the request. Validation is now applied only to fields explicitly modified in the API payload.

Additional work​

  • Internal lending performance and memory fixes.

Mortgages​

Repaying fees no longer generates an unexpected additional interest transaction​

Resolved an issue where repaying fees on a mortgage account incorrectly triggered an additional transaction that applied interest.

Pay-off screen now shows the correct interest balance for interest-only equal installment accounts with broken interest​

Fixed a calculation discrepancy where the interest balance displayed in the pay-off screen for interest-only equal installment accounts with broken interest did not match expected values.

Principal overpayment in the first installment after the threshold no longer alters the installment amount​

Resolved an issue with dynamic mortgages where a principal overpayment in the first installment after the overpayment threshold incorrectly caused the installment amount to be recalculated.

Carry-forward fields are now visible in the UI​

Carry-forward balance elements are now correctly displayed in the account UI, giving users visibility into carried-forward amounts.

Interest calculation corrected for dynamic mortgages with prepayments and principal overpayments​

Fixed an issue where interest was incorrectly calculated for a dynamic mortgage when a prepayment was allocated to the upcoming pending installment and an overpayment existed in the principal balance.

Total balance is now correct after a scheduled fee is applied​

Resolved an issue where applying a scheduled fee resulted in an incorrect total balance on the account.

Carry-forward now returns a meaningful error when no balances are present​

When attempting to carry forward state on an account with no applicable balances, the system now returns a clear, descriptive error message instead of a generic failure.

Same-day interest application no longer results in a zero-balance transaction​

Fixed an issue where applying interest on the same day as another operation produced a transaction with a zero balance under carry-forward configurations.

Carry-forward fields are no longer shown when rescheduling to a non-mortgage loan​

Carry-forward fields are now correctly hidden when a loan is rescheduled to a product that is not a mortgage, preventing irrelevant fields from appearing in the UI.

Preview schedule now shows correct principal balance and interest capitalisation under carry-forward​

Fixed multiple issues in the preview schedule for carry-forward accounts: the principal balance is now accurate, interest is correctly carried forward rather than capitalised, and the interest for the first installment is computed correctly.

Reschedule now works correctly for products with non-scheduled fees configured​

Resolved an issue where the reschedule action failed for loan products that had non-scheduled fees configured.

Adjusting applied interest now correctly reverses carried-forward interest​

Fixed an issue where the Adjust Interest Applied transaction did not reverse the carried-forward interest component, leaving an incorrect balance on the account.

Repayments with mandatory custom fields no longer produce an error​

Resolved an error that occurred when submitting a repayment on accounts where a mandatory custom field was configured, preventing the transaction from completing.

PMT is now correctly recalculated after a principal custom repayment during a broken interest installment​

Fixed an issue where the periodic payment amount (PMT) for interest-only loans was not correctly recalculated after a principal custom repayment was made during a broken interest installment period.

Multiple RNI overpayments no longer inflate the current installment total due​

Resolved an issue where making multiple repayments-not-in-installment (RNI) overpayments incorrectly increased the total due amount on the current installment.

Enter Repayment button is no longer disabled when funds remain in IFA​

Fixed an issue where the Enter Repayment button was incorrectly disabled when an account still had an amount in the Interest-Free Amount (IFA) balance, blocking users from submitting repayments.

Withdrawing the full redraw balance now correctly creates a division​

Resolved an issue where withdrawing the entire available redraw balance did not generate the expected division record on the account.

Make Principal Overpayment option now appears for products with redraw enabled​

Fixed an issue where the Make Principal Overpayment option was not displayed for loan products configured with the redraw feature.

Interest on redraw balance changes made on the same day is now calculated correctly​

Resolved an issue where multiple changes to the redraw balance on the same day resulted in incorrect interest calculations.

RecalculateSchedule API now returns populated differences​

Fixed an issue where the private RecalculateSchedule loan account API returned empty differences, providing no actionable output to callers.

Deposits​

Overdraft terms can no longer be modified while a savings account is locked​

Previously, it was possible to change overdraft terms (such as the overdraft limit) on a savings account while it was in a locked state, which did not correctly log a corresponding transaction and could cause 500 Internal Server Errors during subsequent operations. Overdraft terms can now only be modified when the account is unlocked, and the API now correctly returns the INVALID_DEPOSIT_ACCOUNT_STATE (407) error when an operation is attempted on a deposit account that is not in a valid state.

Additional work​

  • Non-customer-facing deposit account maintenance.

Islamic Banking​

Taxes Payable accounting category now appears in product configuration​

Fixed an issue where the Taxes Payable accounting category was not visible in the product configuration UI, preventing it from being assigned during product setup.

Profit amount is now calculated correctly on apply​

Resolved an issue where the profit amount applied to certain accounts was incorrect, ensuring profit calculations reflect the expected values.

Cards​

Financial transactions endpoint handles missing authorization hold references gracefully​

Improved the financialtransactions endpoint to handle cases where a reference to an authorization hold is missing, preventing errors and ensuring the request is processed correctly.

Data​

Custom field updates via the v1 API now work correctly for linked entities​

Fixed an issue where PATCH requests to update a single custom field on a linked entity via the v1 API did not apply the change as expected.

Storing a date value in a datetime custom field no longer breaks the UI​

Resolved an issue where saving a date value into a datetime custom field caused the UI to malfunction during subsequent single custom field update operations.

Additional work​

  • Non-customer-facing fix to the archive deposit transactions custom fields resource endpoint.

v9.180.1​

Release Date: 03.06.2026

Bug fixes​

Mortgages​

Reduce event now processed correctly across different instalments​

Fixed an issue where the Financial Schedule Engine failed to process a reduce event correctly when the reduction was applied to a different instalment.

Get Schedule API returns results reliably​

Resolved an error that caused the Get Schedule API to fail under certain conditions.

PMT threshold correctly validated on broken interest during redraw repayment​

Fixed an issue where the PMT threshold was not being validated against broken interest when a redraw repayment was posted.

Principal overpayment adjustment notification now triggered correctly​

Resolved an issue where the notification for a principal overpayment adjustment was not being raised as expected.

Schedule calculation corrected for API redraw repayment transactions​

Fixed an incorrect schedule calculation that occurred when a redraw repayment was posted via the API.

Lending​

Prepayment schedule no longer incorrectly includes fee due​

Resolved an issue where a prepayment entry on the schedule incorrectly showed a fee due amount.

For more information, see Mambu Release Cycle.

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