In the very early game I entered a battle to destroy some brigands from a quest. My sovereign was not powerful enough so I decided to try out the retreat within Tactical Battles. When the battle ended my sovereign was in the same location as the brigands. (Save game in link below is the turn before entering the location).

Battled again but this time played it out. My sovereign was defeated yet instead of showing the brigands it still displayed my sovereign's model even though it was listed as brigands.

Finally, restarted and moved my sovereign to another Inn in the East. At the same time a spell had been researched and got the horse quest. Immediately after the quest screen it crashed.

Here is the save-game for the tactical battle above and the debug file for the crash.

http://dl.dropbox.com/u/9163563/debug.0.98.a.zip