Viewing debt balance and accrued interest

The in-house banking module automatically calculates accrued interest daily on outstanding intragroup debt balances. This article explains the different sections in the module where you can view total accrued interest and its details.

1. Log in to your Embat account using the following link.
2. Enter your credentials: email and password.
3. In the main menu on the left sidebar, click In-house banking module.
   
4. View relations and their debt balance. 
   1. In the Balance tab you can see the debt balance of the relation.
   2. Hover over a relation in the Balance tab and click the icon in the Relation Pair A-B column to open the Relation details, which contains all the information configured during the relation creation process.
      
      
      
      
5. View and track total accrued interest: in the Balance and Interest tabs, you can view the total accrued interest amount for each relation since the latest capitalisation date in the Accrued interest column. If no capitalisation has been made before the accrued interest is calculated since the start date of a relation.
   • Like in the Balance tab, hover over the relation row and click the icon in the Relation Pair A-B column to access the Interest details, which contains all the information configured during the relation creation process.
     
     
6. View detailed accrued interest and capitalised interest : in the Balance and Interest tabs, hover over any row and click the information icon in the Accrued interest column.
   
   
   
   
7. In the Interest breakdown pop up, view daily accrued interest for each relation. 
   • Accrued interest is calculated daily in the background based on outstanding balances, providing a running total of outstanding interest per relation.
   • This window has two tabs:
     1. Pending Tab: Shows interest not yet capitalised.
     2. History Tab: Displays already capitalised interest.

If you have any further questions, please contact the Customer Experience team or submit a request through this link.