(a)	Amounts recognized in the statement of financial position

The statement of financial position shows the following amounts relating to leases:


	As of December 31,
	2021		2022
Right-of-use assets	RMB’000		RMB’000
Properties		804,990		754,010

Lease liabilities		794,544		748,807

(b)	Amounts recognized in the statement of profit or loss

The statement of profit or loss shows the following amounts relating to leases:


	Year ended December 31,
	2020		2021		2022
	RMB’000		RMB’000		RMB’000
Depreciation charge of right-of-use assets		604,018		608,889		578,014
Interest expense (included in finance costs)		46,567		38,709		41,402
Expense relating to short-term leases (included in operation and servicing expenses; general and administrative expenses; technology and analytics expenses; and sales and marketing expenses)		115,741		55,408		37,376
Expense relating to leases of low-value assets (included in operation and servicing expenses; general and administrative expenses; technology and analytics expenses; and sales and marketing expenses)		26,684		25,550		25,548

The total cash outflow for leases for years ended December 31, 2020, 2021 and 2022 were RMB794 million, RMB713 million and RMB694 million, respectively.

(c)	Movement of right-of-use assets


	Year ended December 31,
	2020			2021			2022
	RMB’000			RMB’000			RMB’000
Opening net book amount		914,960			973,547			804,990
Additions		697,403			501,663			589,488
Early termination		(34,798	)		(61,331	)		(62,454	)
Depreciation charge		(604,018	)		(608,889	)		(578,014	)

Closing net book amount		973,547			804,990			754,010


	As of December 31,
	2021			2022
	RMB’000			RMB’000
Cost		1,810,222			1,500,951
Accumulated depreciation		(1,005,232	)		(746,941	)

Net book amount		804,990			754,010