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Credit risk (Tables)

12 Months Ended

Dec. 31, 2017

Credit Risk Tables

Schedule of gross carrying amounts of loans to customers

		As of December 31,
		2016				2016				2017				2017
		Gross carrying amount				Loss allowance				Gross carrying amount				Loss allowance
		RMB’000				RMB’000				RMB’000				RMB’000

Not yet due			634,700				9,521				653,825				11,741
1-89 days past due			700				10				42,005				690
90-179 days past due			3,800				114				7,500				113
180-365 days past due			32,530				1,164				64,160				1,085
Over 1 year past due			25,344				10,924				50,624				13,095
Total			697,074				21,733				818,114				26,724

Schedule of gross carrying amounts of loans to customers by credit rating

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

Normal			634,700				653,825
Special mentioned			50,030				151,445
Substandard			1,100				1,100
Doubtful			3,144				-
Loss			8,100				11,744
			697,074				818,114

Schedule of gross carrying amounts of loans to customers by collateral

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

Guarantee backed loans				400,460				732,530
Collateral backed loans
- Collateralized by property				76,200				68,060
- Collateralized by shares				172,770				12,480
- Collateralized by precious metals				44,500				1,400
- Collateralized by other personal property				3,144				1,044
- Collateralized by account receivable				-				2,600
				697,074				818,114