let say u have rm10,000 in your current ASB saving account.
u apply a RM200,000 loan from ASB
when your ASB loan is approve, bank will issue a certificate of saving RM200,000.
that means now your ASB have RM10,000 of your saving and RM200,000 of certificate.
at the end of the year, which is financial closing, u will get your dividend based on RM10,000 + RM200,000.
but in your book, the amount that appear is only RM10,000 + total dividend.
the RM200,000 will never appear in your book unless the tenure ended.