Statement generation¶


ID	`MOD-113`
System	SD08
Repo	`bank-app`
Build status	Not started
Deployed	No

What it does¶

MOD-113 generates account statements for all deposit and credit accounts at the close of each statement period (monthly for transaction and savings accounts; monthly for credit products; at maturity for term deposits). Statements are delivered in-app and available as PDF download for 7 years. A paper statement option is available at a fee configured in the tenant fee schedule.

Statement contents by product type¶

Deposit accounts (transaction, savings): opening balance, all credits and debits with merchant name/description and timestamp, closing balance, interest earned for period, fees charged for period with itemisation, average balance for period.

Credit accounts (personal loan, revolving credit): opening balance, all transactions, payments received, interest charged (with rate applied and calculation basis), fees charged, closing balance, minimum payment due, payment due date, overdue amount if any.

Term deposits: account number, term, opening date, maturity date, principal, interest rate, interest earned to date, projected maturity proceeds.

Statement delivery¶

Statements are pushed to the customer's in-app document vault (MOD-073) on the day after statement period close. A push notification (MOD-063) is sent when the statement is available. Email delivery of PDF is available where the customer has enabled it. Paper statements are generated and mailed by an external print provider via API — the module produces a print-ready PDF and calls the print provider API; the provider handles physical delivery.

Regulatory retention¶

All statements are retained for 7 years in S3 (KMS encrypted) regardless of whether the account is closed. Customers can download any statement within the 7-year window at any time.

Re-generation¶

Statements can be re-generated by an authorised agent where a correction is needed (e.g. a fee reversal after statement close). The corrected statement is issued as a supplementary statement — it does not replace the original; both are retained.

Module dependencies¶

Depends on¶

Module	Title	Required?	Contract	Reason
MOD-002	Immutable transaction log	Required	—	Transaction data for the statement period is sourced from the immutable transaction log.
MOD-003	Real-time balance engine	Required	—	Opening and closing balance figures are sourced from the balance engine's end-of-day snapshots.
MOD-110	Fee engine	Required	—	Fee line items on the statement are sourced from the fee event log.
MOD-104	AWS shared infrastructure bootstrap	Required	—	AWS shared infrastructure required before this module can be deployed.
MOD-103	Neon database platform bootstrap	Required	—	Neon database must exist before this module can read or write Postgres.

Required by¶

Module	Title	As	Contract
MOD-118	Member equity and share registry	Optional enhancement	—
MOD-142	Deposit guarantee scheme disclosure	Hard dependency	—
MOD-167	Credit card facility engine	Optional enhancement	—

Policies satisfied¶

Policy	Title	Mode	How
CON-004	Product Disclosure & Sales Practice Policy	`AUTO`	Account statements are generated and delivered automatically at the end of each statement period — no manual trigger; no customer is missed.
CON-005	Fee & Pricing Transparency Policy	`AUTO`	Statements include all fees, interest, and charges for the period with clear disclosure of basis and amounts.

Capabilities satisfied¶

(No capabilities mapped)

Part of SD08 — Customer App & Back Office Platform Compiled 2026-05-22 from source/entities/modules/MOD-113.yaml