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Loan receivables

12 Months Ended

Dec. 31, 2017

Loan Receivables

15. Loan receivables

The total loan to customers is comprised of the following:

		As at December 31,
		2016				2017
		RMB’000				RMB’000

Loan receivables at amortized cost			697,074				818,114

Less: impairment loss allowance
Collectively assessed			(9,521	)			(11,684	)
Individually assessed			(12,212	)			(15,040	)
			(21,733	)			(26,724	)

Loan receivables , net			675,341				791,390

The Group originates loans to customers located primarily in Wuhan City, Hubei Province. This geographic concentration of credit exposes the Group to a higher degree of risk associated with this economic region.

The following table presents loans and advances to customers at amortized cost by type of loans:

		As of December 31, 2016												As of December 31, 2017
		Gross carrying amount				Expected credit loss allowance				Carrying amount				Gross carrying amount				Expected credit loss allowance				Carrying amount
		RMB’000				RMB’000				RMB’000				RMB’000				RMB’000				RMB’000

Business loans			279,219				(6,927	)			272,292				307,579				(8,355	)			299,224
Personal loans			417,855				(14,806	)			403,049				510,535				(18,369	)			492,166
Total			697,074				(21,733	)			675,341				818,114				(26,724	)			791,390