Cash At Bank And Restricted Cash (Tables)

12 Months Ended

Dec. 31, 2022

Cash and cash equivalents [abstract]

The Group


	As of December 31,
Cash at bank	2021			2022
	RMB’000			RMB’000
Demand deposits
RMB		18,132,859			24,509,888
USD		4,137,462			1,985,271
HKD		43,697			13,586
IDR		37,385			15,450
SGD		3,651			—

		22,355,054			26,524,195

Time deposits
RMB		11,659,866			17,248,631
USD		637,884			—
IDR		93,776			111,416

		12,391,526			17,360,047

Less: Provision for impairment losses		(3,392	)		(2,115	)

		34,743,188			43,882,127

Disclosure of Restricted cash


	As of December 31,
	2021		2022
	RMB’000		RMB’000
Restricted cash
Cash from consolidated structured entities (a)		24,903,595		22,990,022
Deposits for borrowings (b)		3,042,930		1,478,504
Deposits held on behalf of platform investors (c)		1,791,455		702,018
Others		715,559		1,338,087

		30,453,539		26,508,631

(a)	Cash from consolidated structured entities is the cash held by the Group’s consolidated structured entities either received from investors for upcoming investment in retail credit business or investors’ funds whose withdrawal is in processing due to settlement time.

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

(c)

As of December 31, 2021, deposits held on behalf of platform investors represents funds received from platform investors while investment decisions are yet to be made, or investors’ funds whose withdrawal is in processing due to settlement time. As of December 31, 2022, deposits held on behalf of platform investors whose withdrawal is in processing due to settlement time.

Summary of Detailed Information about Cash At Bank of Parent Company Explanatory

The Company


	As of December 31,
Cash at bank	2021		2022
	RMB’000		RMB’000
Demand deposits
RMB		18,705		5,518
USD		1,634,458		1,638,784

		1,653,163		1,644,302

Time deposits
RMB		160,453		—
USD		—		—

		160,453		—

Less: Provision for impairment losses		—		—

		1,813,616		1,644,302