Loan increase because the Bank is duducted the money in advance for smart payment (6 May 2015),
Normally the banking system will deducted in advance one day is May 5, 2015,
but May 1-5 is a bank holiday so bank deducted on April 30, 2015,
and we just know in April 30 due to the current account has been used to OD 23 million.
So,I make P/N loan for settle OD because OD rate is more than P/N rate, but a loan of 23 million have already repayment on May 7, 2015