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Cash At Bank And Restricted Cash

12 Months Ended

Dec. 31, 2021

Cash and cash equivalents [abstract]

Cash At Bank And Restricted Cash [Text Block]

16	Cash at bank and restricted cash


		As of December 31,
Cash at bank		2020				2021
		RMB’000				RMB’000
Demand deposits
RMB			13,782,874				18,132,859
USD			3,784,469				4,137,462
HKD			43,110				43,697
IDR			11,676				37,385
SGD			5,344				3,651

			17,627,473				22,355,054

Time deposits
RMB			3,140,058				11,659,866
USD			3,262,450				637,884
IDR			128,772				93,776

			6,531,280				12,391,526

Less: Provision for impairment losses			(185	)			(3,392	)

			24,158,568				34,743,188


		As of December 31,
		2020				2021
		RMB’000				RMB’000
Restricted cash
Cash from consolidated structured entities (a)			14,581,753				24,903,595
Deposits for borrowings (b)			—				3,042,930
Deposits held on behalf of platform investors (c)			7,997,940				1,791,455
Others			449,895				715,559

			23,029,588				30,453,539

(a)	Cash from consolidated structured entities is the cash held by the Group’s consolidated structured entities collected from platform investors mainly for their upcoming investment in retail credit business.

(b)	Deposits for borrowings are pledges for secured borrowings ( refer to Note 29(a)).

(c)	Deposits held on behalf of platform investors represents funds received from platform investors while investment decisions are yet to be made, or investors’ funds withdrawal is in processing due to settlement time.