The numerator in the formula for calculating the loan concentration of a single customer is the largest, and the denominator of the total loan of a customer is
Net capital. In the calculation formula of single customer loan concentration, the numerator is the largest customer loan and the denominator is the net capital. Credit concentration of a single group customer = total credit of the largest group customer/net capital, which should generally not be higher than 15%. Single customer loan concentration = maximum single customer loan amount/net capital, which should not be higher than 10% in general.