v3.25.4
Material accounting policies - Schedule of Restatement of Previously Issued Consolidated Financial Statements (Detail)
¥ / shares in Units, ¥ in Thousands, $ in Millions
12 Months Ended
Dec. 31, 2025
CNY (¥)
Dec. 31, 2024
CNY (¥)
¥ / shares
Dec. 31, 2023
CNY (¥)
¥ / shares
Dec. 31, 2022
CNY (¥)
¥ / shares
Jul. 14, 2022
CNY (¥)
Jul. 14, 2022
USD ($)
Jul. 07, 2022
CNY (¥)
Jul. 07, 2022
USD ($)
Jan. 01, 2022
CNY (¥)
Dec. 31, 2021
CNY (¥)
Income Statement [Line Items]                    
Technology platform-based income   ¥ 8,161,022 ¥ 15,318,744 ¥ 29,214,613            
Net interest income   12,311,328 13,112,128 18,681,936            
Guarantee income   3,579,672 4,392,376 7,372,509            
Other income   1,507,897 1,390,902 1,840,234            
Investment income     79,976 512,818            
Share of net losses of investments accounted for using the equity method   (691) (5,416) (218)            
Total income   24,513,408 34,288,710 57,621,892            
Total expenses                    
Sales and marketing expenses   (5,406,371) (9,888,675) (15,764,682)            
General and administrative expenses   (2,023,650) (2,350,043) (2,885,022)            
Operation and servicing expenses   (5,034,010) (6,192,537) (6,922,178)            
Technology and analytics expenses   (1,177,697) (1,405,800) (1,897,365)            
Credit impairment losses   (12,612,907) (12,695,662) (16,512,295)            
Asset impairment losses   0 (31,246) (427,108)            
Finance costs   (84,819) (349,240) (1,172,782)            
Other gains - net   (252,639) 212,958 5,402            
Total expenses   (26,592,093) (32,700,245) (45,576,030)            
Profit before income tax expenses   (2,078,685) 1,588,465 12,045,862            
Less: Income tax expenses ¥ (633,000) (1,524,830) (635,367) (4,187,776)            
Net profit for the year   (3,603,515) 953,098 7,858,086            
Net profit/(loss) attributable to:                    
Owners of the Company   (3,870,620) 809,624 7,777,336            
Non-controlling interests   267,105 143,474 80,750            
Net profit for the year   ¥ (3,603,515) ¥ 953,098 ¥ 7,858,086            
Earnings per share (expressed in RMB per share)                    
-Basic earnings per share | ¥ / shares     ¥ 0.71 ¥ 6.79            
-Diluted earnings per share | ¥ / shares     0.71 6.78            
-Basic earnings per ADS | ¥ / shares   ¥ (5.54) 1.42 13.58            
-Diluted earnings per ADS | ¥ / shares   ¥ (5.54) ¥ 1.42 ¥ 13.56            
ASSETS                    
Cash at bank   ¥ 29,903,846 ¥ 39,695,914 ¥ 43,939,270         ¥ 34,768,988  
Restricted cash   14,132,034 13,416,615 27,086,721         30,928,163  
Financial assets held under resale agreements   657,033 28,834 40,023         7,899,527  
Financial assets at fair value through profit or loss   20,355,814 24,763,205 31,914,128         28,246,412  
Financial assets at amortized cost   1,499,000 1,758,083 3,411,084         3,024,618  
Accounts and other receivables and contract assets   6,216,650 7,347,687 15,822,058         22,153,894  
Loans to customers   111,508,669 129,693,954 211,446,645         214,972,110  
Deferred tax assets     5,731,640 5,000,309         4,889,913  
Property and equipment   64,075 186,210 329,755         384,904  
Investments accounted for using the equity method   0 2,609 39,271         459,496  
Intangible assets   956,077 874,919 885,056         899,406 ¥ 899,406
Right-of-use assets   306,599 419,590 767,701         823,124  
Goodwill   9,175,539 8,911,445 8,911,445         8,918,108 8,918,108
Other assets   831,626 1,551,365 1,373,679         1,292,595  
Total assets   203,536,643 234,382,070 350,967,145         359,661,258  
LIABILITIES                    
Payable to platform investors   721,558 985,761 1,569,367         2,747,891  
Borrowings   51,114,575 38,823,284 36,915,513         25,927,417  
Bonds payable   0 0 2,143,348 ¥ 2,013,000 $ 300 ¥ 2,013,000 $ 300    
Current income tax liabilities   782,352 801,606 1,986,189         8,217,309  
Accounts and other payables and contract liabilities   7,492,550 8,451,662 12,828,167         8,805,909  
Payable to investors of consolidated structured entities   42,795,624 79,458,267 176,352,333         194,250,107  
Financing guarantee liabilities   4,217,979 4,185,532 5,763,369         2,697,109  
Deferred tax liabilities     492,125 539,651         758,113  
Lease liabilities   302,867 404,518 760,626         811,248  
Convertible promissory notes payable   6,174,050 5,650,268 5,164,139         10,669,498  
Financial assets sold under repurchase agreements   782,459 1,307,395 3,343,950         620,297  
Other liabilities   1,287,562 1,327,993 1,779,645         2,383,836  
Optionally convertible promissory notes   0 0 8,142,908         7,405,103  
Total liabilities   119,938,886 141,888,411 257,289,205         265,293,837  
EQUITY                    
Share capital   117 75 75         75  
Share premium   27,027,846 32,142,233 32,073,874         33,365,786  
Treasury shares   (5,642,768) (5,642,768) (5,642,769)         (5,560,104)  
Other reserves   1,591,448 1,769,185 3,771,768         10,918,331 10,918,331
Retained earnings   58,796,059 62,666,679 61,857,055         54,121,797  
Total equity attributable to owners of the Company   81,772,702 90,935,404 92,060,003         92,845,885  
Non-controlling interests   1,825,055 1,558,255 1,617,937         1,521,536  
Total equity   83,597,757 92,493,659 93,677,940         94,367,421 94,367,421
Total liabilities and equity   203,536,643 234,382,070 350,967,145         359,661,258  
Cash flows from operating activities                    
Profit (loss) before tax   (2,078,685) 1,588,465 12,045,862            
Adjustments to reconcile profit (loss) [abstract]                    
Depreciation, property, plant and equipment   104,439 185,222 181,601            
Depreciation, right-of-use assets   283,645 427,358 591,201            
Amortization of intangible assets     11,022 15,325            
Share of losses of associates and joint ventures     5,416 218            
Net gains on sale of property and equipment, and intangible assets     21,994 24,832            
Net unrealized losses on financial assets at fair value through profit or loss     525,003 132,875            
Non-cash employee benefits expense-share based payment     (36,204) 45,162            
Asset impairment losses     31,246 427,108            
Credit impairment losses     5,596,942 11,917,933            
Finance cost classified as financing activities     1,764,472 2,481,059            
Investment income classified as investing activities     (604,979) (645,693)            
Foreign exchange gains     (75,714) 877,232            
Change in operating assets and liabilities   8,405,848 9,440,243 28,094,715            
Decrease in loans to customers and accounts and other receivables     103,902,273 6,326,843            
Decrease in accounts and other payables     (97,868,864) (19,173,561)            
Cash generated from operating activities   4,155,000 15,473,652 15,247,997            
Income tax paid   (2,338,229) (2,753,240) (10,292,941)            
Net cash generated from operating activities   1,816,771 12,720,412 4,955,056            
Cash flows from investing activities                    
Proceeds from sale of investment assets   63,241,901 67,272,800 98,932,443            
Proceeds from sale of property and equipment   9,664 8,464 19,943            
Interest received on investment assets   852,631 825,725 1,707,552            
Payment for acquisition of investment assets   (60,664,549) (71,550,315) (98,064,856)            
Securities purchases under agreements to resell, net   0 0 5,527,177            
Payment for property and equipment and other long-term assets   (72,565) (51,279) (129,365)            
Net cash inflow from disposal of subsidiaries     25,075              
Net cash generated from investing activities   2,669,015 (3,469,530) 7,992,894            
Cash flows from financing activities                    
Proceeds from capital contribution from the non-controlling shareholder of subsidiaries   0 0 15,938            
Proceeds from exercise of share-based payment   2,172 252 95,911            
Proceeds from borrowings   9,041,818 14,618,467 9,046,338            
Repayment of borrowings   (14,226,298) (17,920,237) (5,794,772)            
Payment for early redemption and extension of convertible promissory notes payable   0 (3,642,931) (3,747,386)            
Repayment of optionally convertible promissory notes payable   0 (8,342,096) 0            
Repayment of bonds payable   0 (2,163,195) 0            
Payment for lease liabilities   (289,615) (486,942) (617,800)            
Payment for interest expenses   (626,050) (1,531,239) (1,213,186)            
Payment for dividend declared   (5,132,615) (1,435,461) (7,717,474)            
Payment for acquisition of non-controlling interests of subsidiary   0 (199,200) 0            
Refund of cash reserved for repurchase of ordinary shares   0 854,624 0            
Net cash used in financing activities   (11,281,854) (20,247,958) (9,932,431)            
Effect of exchange rate changes on cash and cash equivalents   17,278 (20,353) 57,025            
Net increase/(decrease) in cash and cash equivalents   (6,778,790) (11,017,429) 3,072,544            
Add: Cash and cash equivalents at the beginning of the year ¥ 11,798,435 18,577,225 29,594,654 26,522,110            
Cash and cash equivalents at the end of the year   11,798,435 18,577,225 29,594,654            
Total Restatement Impacts [Member]                    
Total expenses                    
Profit before income tax expenses     (56,647) (967,409)            
Cash flows from operating activities                    
Profit (loss) before tax     (56,647) (967,409)            
Adjustments to reconcile profit (loss) [abstract]                    
Depreciation, property, plant and equipment     4,051 3,802            
Depreciation, right-of-use assets     13,401 13,187            
Amortization of intangible assets     0 0            
Share of losses of associates and joint ventures     0 0            
Net gains on sale of property and equipment, and intangible assets     488 576            
Net unrealized losses on financial assets at fair value through profit or loss     327,976 (79,422)            
Non-cash employee benefits expense-share based payment     (61) (757)            
Asset impairment losses     0 0            
Credit impairment losses     (1,646) (38,170)            
Finance cost classified as financing activities     (19,593) (20,949)            
Investment income classified as investing activities     615,026 814,474            
Foreign exchange gains     0 0            
Change in operating assets and liabilities     882,995 (274,668)            
Decrease in loans to customers and accounts and other receivables     (2,041,542) (4,088,647)            
Decrease in accounts and other payables     (1,120,211) 4,881,006            
Cash generated from operating activities     (2,278,758) 517,691            
Income tax paid     (31,116) (17,936)            
Net cash generated from operating activities     (2,309,874) 499,755            
Cash flows from investing activities                    
Proceeds from sale of investment assets     241,266 (98,650)            
Proceeds from sale of property and equipment     244 288            
Interest received on investment assets     (144,408) (17,947)            
Payment for acquisition of investment assets     2,373,739 (331,953)            
Securities purchases under agreements to resell, net     0 0            
Payment for property and equipment and other long-term assets     (2,939) (6,522)            
Net cash inflow from disposal of subsidiaries     0              
Net cash generated from investing activities     2,467,902 (454,784)            
Cash flows from financing activities                    
Proceeds from capital contribution from the non-controlling shareholder of subsidiaries       0            
Proceeds from exercise of share-based payment     0 0            
Proceeds from borrowings     0 0            
Repayment of borrowings     339,296 0            
Payment for early redemption and extension of convertible promissory notes payable     0 0            
Repayment of optionally convertible promissory notes payable     0              
Repayment of bonds payable     0              
Payment for lease liabilities     (12,396) (13,628)            
Payment for interest expenses     (19,912) 0            
Payment for dividend declared     0 0            
Payment for acquisition of non-controlling interests of subsidiary     0              
Refund of cash reserved for repurchase of ordinary shares     0              
Net cash used in financing activities     306,988 (13,628)            
Effect of exchange rate changes on cash and cash equivalents     (425,030) 0            
Net increase/(decrease) in cash and cash equivalents     39,986 31,343            
Add: Cash and cash equivalents at the beginning of the year   97,129 57,143 25,800            
Cash and cash equivalents at the end of the year     97,129 57,143            
Adjustment 1 [Member]                    
Income Statement [Line Items]                    
Technology platform-based income     0 0            
Net interest income     129,210 0            
Guarantee income     0 0            
Other income     0 0            
Investment income     (624,914) 0            
Share of net losses of investments accounted for using the equity method     0 0            
Total income     (495,704) 0            
Total expenses                    
Sales and marketing expenses     0 0            
General and administrative expenses     0 0            
Operation and servicing expenses     (17,078) 0            
Technology and analytics expenses     0 0            
Credit impairment losses     0 0            
Asset impairment losses     0 0            
Finance costs     0 0            
Other gains - net     0 0            
Total expenses     (17,078) 0            
Profit before income tax expenses     (512,782) 0            
Less: Income tax expenses     128,196 0            
Net profit for the year     (384,586) 0            
Net profit/(loss) attributable to:                    
Owners of the Company     (384,586) 0            
Non-controlling interests     0 0            
Net profit for the year     ¥ (384,586) ¥ 0            
Earnings per share (expressed in RMB per share)                    
-Basic earnings per share | ¥ / shares     ¥ (0.34) ¥ 0            
-Diluted earnings per share | ¥ / shares     (0.34) 0            
-Basic earnings per ADS | ¥ / shares     (0.68) 0            
-Diluted earnings per ADS | ¥ / shares     ¥ (0.68) ¥ 0            
ASSETS                    
Cash at bank     ¥ 0 ¥ 0         0  
Restricted cash     225,322 0         0  
Financial assets held under resale agreements     0 0         0  
Financial assets at fair value through profit or loss     (3,260,840) 0         0  
Financial assets at amortized cost     0 0         0  
Accounts and other receivables and contract assets     0 0         0  
Loans to customers     0 0         0  
Deferred tax assets     128,196 0         0  
Property and equipment     0 0         0  
Investments accounted for using the equity method     0 0         0  
Intangible assets     0 0         0  
Right-of-use assets     0 0         0  
Goodwill     0 0         0  
Other assets     40,864 0         0  
Total assets     (2,866,458) 0         0  
LIABILITIES                    
Payable to platform investors     0 0         0  
Borrowings     0 0         0  
Bonds payable       0            
Current income tax liabilities     0 0         0  
Accounts and other payables and contract liabilities     0 0         0  
Payable to investors of consolidated structured entities     (2,481,872) 0         0  
Financing guarantee liabilities     0 0         0  
Deferred tax liabilities     0 0         0  
Lease liabilities     0 0         0  
Convertible promissory notes payable     0 0         0  
Financial assets sold under repurchase agreements     0 0         0  
Other liabilities     0 0         0  
Optionally convertible promissory notes       0         0  
Total liabilities     (2,481,872) 0         0  
EQUITY                    
Share capital     0 0         0  
Share premium     0 0         0  
Treasury shares     0 0         0  
Other reserves     0 0         0  
Retained earnings     (384,586) 0         0  
Total equity attributable to owners of the Company     (384,586) 0         0  
Non-controlling interests     0 0         0  
Total equity     (384,586) 0         0  
Total liabilities and equity     (2,866,458) 0         0  
Cash flows from operating activities                    
Profit (loss) before tax     (512,782) 0            
Adjustment 2 [Member]                    
Income Statement [Line Items]                    
Technology platform-based income     0 0            
Net interest income     36,433 50,557            
Guarantee income     0 0            
Other income     0 0            
Investment income     (15,569) (35,492)            
Share of net losses of investments accounted for using the equity method     0 0            
Total income     20,864 15,065            
Total expenses                    
Sales and marketing expenses     0 0            
General and administrative expenses     0 0            
Operation and servicing expenses     (20,864) (15,065)            
Technology and analytics expenses     0 0            
Credit impairment losses     0 0            
Asset impairment losses     0 0            
Finance costs     0 0            
Other gains - net     0 0            
Total expenses     (20,864) (15,065)            
Profit before income tax expenses     0 0            
Less: Income tax expenses     0 0            
Net profit for the year     0 0            
Net profit/(loss) attributable to:                    
Owners of the Company     0 0            
Non-controlling interests     0 0            
Net profit for the year     ¥ 0 ¥ 0            
Earnings per share (expressed in RMB per share)                    
-Basic earnings per share | ¥ / shares     ¥ 0 ¥ 0            
-Diluted earnings per share | ¥ / shares     0 0            
-Basic earnings per ADS | ¥ / shares     0 0            
-Diluted earnings per ADS | ¥ / shares     ¥ 0 ¥ 0            
ASSETS                    
Cash at bank     ¥ 0 ¥ 0         0  
Restricted cash     12,314 90,946         26,795  
Financial assets held under resale agreements     0 0         0  
Financial assets at fair value through profit or loss     (393,316) (724,258)         (1,085,870)  
Financial assets at amortized cost     0 0         0  
Accounts and other receivables and contract assets     0 0         0  
Loans to customers     0 0         0  
Deferred tax assets     0 0         0  
Property and equipment     0 0         0  
Investments accounted for using the equity method     0 0         0  
Intangible assets     0 0         0  
Right-of-use assets     0 0         0  
Goodwill     0 0         0  
Other assets     0 0         0  
Total assets     (381,002) (633,312)         (1,059,075)  
LIABILITIES                    
Payable to platform investors     0 0         0  
Borrowings     0 0         0  
Bonds payable       0            
Current income tax liabilities     0 0         0  
Accounts and other payables and contract liabilities     0 0         0  
Payable to investors of consolidated structured entities     (381,002) (633,312)         (1,059,075)  
Financing guarantee liabilities     0 0         0  
Deferred tax liabilities     0 0         0  
Lease liabilities     0 0         0  
Convertible promissory notes payable     0 0         0  
Financial assets sold under repurchase agreements     0 0         0  
Other liabilities     0 0         0  
Optionally convertible promissory notes       0         0  
Total liabilities     (381,002) (633,312)         (1,059,075)  
EQUITY                    
Share capital     0 0         0  
Share premium     0 0         0  
Treasury shares     0 0         0  
Other reserves     0 0         0  
Retained earnings     0 0         0  
Total equity attributable to owners of the Company     0 0         0  
Non-controlling interests     0 0         0  
Total equity     0 0         0  
Total liabilities and equity     (381,002) (633,312)         (1,059,075)  
Cash flows from operating activities                    
Profit (loss) before tax     0 0            
Adjustment 3 [Member]                    
Income Statement [Line Items]                    
Technology platform-based income     0 0            
Net interest income     0 0            
Guarantee income     0 0            
Other income     0 0            
Investment income     (123,136) (761,445)            
Share of net losses of investments accounted for using the equity method     0 0            
Total income     (123,136) (761,445)            
Total expenses                    
Sales and marketing expenses     0 0            
General and administrative expenses     0 0            
Operation and servicing expenses     0 0            
Technology and analytics expenses     0 0            
Credit impairment losses     1,567 22,644            
Asset impairment losses     0 0            
Finance costs     0 0            
Other gains - net     0 0            
Total expenses     1,567 22,644            
Profit before income tax expenses     (121,569) (738,801)            
Less: Income tax expenses     0 0            
Net profit for the year     (121,569) (738,801)            
Net profit/(loss) attributable to:                    
Owners of the Company     (121,569) (738,801)            
Non-controlling interests     0 0            
Net profit for the year     ¥ (121,569) ¥ (738,801)            
Earnings per share (expressed in RMB per share)                    
-Basic earnings per share | ¥ / shares     ¥ (0.1) ¥ (0.65)            
-Diluted earnings per share | ¥ / shares     (0.1) (0.64)            
-Basic earnings per ADS | ¥ / shares     (0.2) (1.3)            
-Diluted earnings per ADS | ¥ / shares     ¥ (0.2) ¥ (1.28)            
ASSETS                    
Cash at bank     ¥ 0 ¥ 0         0  
Restricted cash     0 0         0  
Financial assets held under resale agreements     0 0         0  
Financial assets at fair value through profit or loss     111,307 122,107         0  
Financial assets at amortized cost     (971,677) (860,908)         0  
Accounts and other receivables and contract assets     0 0         0  
Loans to customers     0 0         0  
Deferred tax assets     0 0         0  
Property and equipment     0 0         0  
Investments accounted for using the equity method     0 0         0  
Intangible assets     0 0         0  
Right-of-use assets     0 0         0  
Goodwill     0 0         0  
Other assets     0 0         0  
Total assets     (860,370) (738,801)         0  
LIABILITIES                    
Payable to platform investors     0 0         0  
Borrowings     0 0         0  
Bonds payable       0            
Current income tax liabilities     0 0         0  
Accounts and other payables and contract liabilities     0 0         0  
Payable to investors of consolidated structured entities     0 0         0  
Financing guarantee liabilities     0 0         0  
Deferred tax liabilities     0 0         0  
Lease liabilities     0 0         0  
Convertible promissory notes payable     0 0         0  
Financial assets sold under repurchase agreements     0 0         0  
Other liabilities     0 0         0  
Optionally convertible promissory notes       0         0  
Total liabilities     0 0         0  
EQUITY                    
Share capital     0 0         0  
Share premium     0 0         0  
Treasury shares     0 0         0  
Other reserves     0 0         0  
Retained earnings     (860,370) (738,801)         0  
Total equity attributable to owners of the Company     (860,370) (738,801)         0  
Non-controlling interests     0 0         0  
Total equity     (860,370) (738,801)         0  
Total liabilities and equity     (860,370) (738,801)         0  
Cash flows from operating activities                    
Profit (loss) before tax     (121,569) (738,801)            
Adjustment 4 [Member]                    
Income Statement [Line Items]                    
Technology platform-based income     (7,082) (3,819)            
Net interest income     0 0            
Guarantee income     0 0            
Other income     247,132 602,230            
Investment income     (187,865) (23,529)            
Share of net losses of investments accounted for using the equity method     0 0            
Total income     52,185 574,882            
Total expenses                    
Sales and marketing expenses     (21,187) (7,766)            
General and administrative expenses     (37,356) (44,247)            
Operation and servicing expenses     (26,691) (451,469)            
Technology and analytics expenses     (18,745) (24,911)            
Credit impairment losses     (8,246) 31,621            
Asset impairment losses     0 0            
Finance costs     1,062 (425)            
Other gains - net     2,622 1,943            
Total expenses     (108,541) (495,254)            
Profit before income tax expenses     (56,356) 79,628            
Less: Income tax expenses     5,578 (26,603)            
Net profit for the year     (50,778) 53,025            
Net profit/(loss) attributable to:                    
Owners of the Company     (46,631) 47,945            
Non-controlling interests     (4,147) 5,080            
Net profit for the year     ¥ (50,778) ¥ 53,025            
Earnings per share (expressed in RMB per share)                    
-Basic earnings per share | ¥ / shares     ¥ (0.03) ¥ 0.04            
-Diluted earnings per share | ¥ / shares     (0.03) 0.04            
-Basic earnings per ADS | ¥ / shares     (0.06) 0.08            
-Diluted earnings per ADS | ¥ / shares     ¥ (0.06) ¥ 0.08            
ASSETS                    
Cash at bank     ¥ 97,129 ¥ 57,143         25,800  
Restricted cash     0 0         0  
Financial assets held under resale agreements     0 0         0  
Financial assets at fair value through profit or loss     1,897,929 786,172         229,699  
Financial assets at amortized cost     (137,900) (128,174)         (257,974)  
Accounts and other receivables and contract assets     54,016 107,216         134,945  
Loans to customers     0 0         0  
Deferred tax assets     60,646 9,957         16,543  
Property and equipment     5,900 7,256         4,823  
Investments accounted for using the equity method     0 0         0  
Intangible assets     0 0         0  
Right-of-use assets     18,690 13,691         18,134  
Goodwill     0 0         0  
Other assets     (353,821) 3,006         2,755  
Total assets     1,642,589 856,267         174,725  
LIABILITIES                    
Payable to platform investors     0 0         0  
Borrowings     0 0         0  
Bonds payable       0            
Current income tax liabilities     16,096 2,050         61  
Accounts and other payables and contract liabilities     1,527,387 710,434         74,286  
Payable to investors of consolidated structured entities     0 0         0  
Financing guarantee liabilities     0 0         0  
Deferred tax liabilities     719 772         439  
Lease liabilities     17,824 11,819         16,704  
Convertible promissory notes payable     0 0         0  
Financial assets sold under repurchase agreements     0 0         0  
Other liabilities     25,730 25,581         30,649  
Optionally convertible promissory notes       0         0  
Total liabilities     1,587,756 750,656         122,139  
EQUITY                    
Share capital     0 0         0  
Share premium     0 0         0  
Treasury shares     0 0         0  
Other reserves     0 0         0  
Retained earnings     37,872 84,503         36,558  
Total equity attributable to owners of the Company     37,872 84,503         36,558  
Non-controlling interests     16,961 21,108         16,028  
Total equity     54,833 105,611         52,586  
Total liabilities and equity     1,642,589 856,267         174,725  
Cash flows from operating activities                    
Profit (loss) before tax     (56,356) 79,628            
Adjustment 5 [Member]                    
Income Statement [Line Items]                    
Technology platform-based income     0 0            
Net interest income     (19,594) (36,254)            
Guarantee income     0 0            
Other income     0 0            
Investment income     (6,602) 32,671            
Share of net losses of investments accounted for using the equity method     0 0            
Total income     (26,196) (3,583)            
Total expenses                    
Sales and marketing expenses     0 0            
General and administrative expenses     (7,852) (10,656)            
Operation and servicing expenses     (9,269) (25,782)            
Technology and analytics expenses     0 0            
Credit impairment losses     0 0            
Asset impairment losses     0 0            
Finance costs     43,317 40,021            
Other gains - net     0 0            
Total expenses     26,196 3,583            
Profit before income tax expenses     0 0            
Less: Income tax expenses     0 0            
Net profit for the year     0 0            
Net profit/(loss) attributable to:                    
Owners of the Company     0 0            
Non-controlling interests     0 0            
Net profit for the year     ¥ 0 ¥ 0            
Earnings per share (expressed in RMB per share)                    
-Basic earnings per share | ¥ / shares     ¥ 0 ¥ 0            
-Diluted earnings per share | ¥ / shares     0 0            
-Basic earnings per ADS | ¥ / shares     0 0            
-Diluted earnings per ADS | ¥ / shares     ¥ 0 ¥ 0            
ASSETS                    
Cash at bank     ¥ 0 ¥ 0         0  
Restricted cash     2,033,141 487,144         447,829  
Financial assets held under resale agreements     28,834 40,023         2,372,350  
Financial assets at fair value through profit or loss     (2,112,362) 2,667,151         (2,340,017)  
Financial assets at amortized cost     0 0         0  
Accounts and other receivables and contract assets     0 0         0  
Loans to customers     0 0         0  
Deferred tax assets     0 0         0  
Property and equipment     0 0         0  
Investments accounted for using the equity method     0 0         0  
Intangible assets     0 0         0  
Right-of-use assets     0 0         0  
Goodwill     0 0         0  
Other assets     419,960 2,699         40,416  
Total assets     369,573 3,197,017         520,578  
LIABILITIES                    
Payable to platform investors     0 0         0  
Borrowings     0 0         0  
Bonds payable       0            
Current income tax liabilities     0 0         0  
Accounts and other payables and contract liabilities     0 0         0  
Payable to investors of consolidated structured entities     (943,597) (162,081)         (136,958)  
Financing guarantee liabilities     0 0         0  
Deferred tax liabilities     0 0         0  
Lease liabilities     0 0         0  
Convertible promissory notes payable     0 0         0  
Financial assets sold under repurchase agreements     1,307,395 3,343,950         620,297  
Other liabilities     5,775 15,148         37,239  
Optionally convertible promissory notes       0         0  
Total liabilities     369,573 3,197,017         520,578  
EQUITY                    
Share capital     0 0         0  
Share premium     0 0         0  
Treasury shares     0 0         0  
Other reserves     0 0         0  
Retained earnings     0 0         0  
Total equity attributable to owners of the Company     0 0         0  
Non-controlling interests     0 0         0  
Total equity     0 0         0  
Total liabilities and equity     369,573 3,197,017         520,578  
Cash flows from operating activities                    
Profit (loss) before tax     0 0            
Adjustment 6 [Member]                    
Income Statement [Line Items]                    
Technology platform-based income     0 0            
Net interest income     (16,338) (5,507)            
Guarantee income     0 0            
Other income     0 0            
Investment income     (12,391) (5,012)            
Share of net losses of investments accounted for using the equity method     0 0            
Total income     (28,729) (10,519)            
Total expenses                    
Sales and marketing expenses     0 0            
General and administrative expenses     0 0            
Operation and servicing expenses     0 0            
Technology and analytics expenses     0 0            
Credit impairment losses     8,325 (16,095)            
Asset impairment losses     0 0            
Finance costs     20,404 26,614            
Other gains - net     0 0            
Total expenses     28,729 10,519            
Profit before income tax expenses     0 0            
Less: Income tax expenses     0 0            
Net profit for the year     0 0            
Net profit/(loss) attributable to:                    
Owners of the Company     0 0            
Non-controlling interests     0 0            
Net profit for the year     ¥ 0 ¥ 0            
Earnings per share (expressed in RMB per share)                    
-Basic earnings per share | ¥ / shares     ¥ 0 ¥ 0            
-Diluted earnings per share | ¥ / shares     0 0            
-Basic earnings per ADS | ¥ / shares     0 0            
-Diluted earnings per ADS | ¥ / shares     ¥ 0 ¥ 0            
ASSETS                    
Cash at bank     ¥ 0 ¥ 0         0  
Restricted cash     0 0         0  
Financial assets held under resale agreements     0 0         0  
Financial assets at fair value through profit or loss     (372,117) (26,491)         419,389  
Financial assets at amortized cost     (143,910) (316,282)         (502,021)  
Accounts and other receivables and contract assets     0 0         0  
Loans to customers     0 0         0  
Deferred tax assets     (29,244) 0         0  
Property and equipment     0 0         0  
Investments accounted for using the equity method     0 0         0  
Intangible assets     0 0         0  
Right-of-use assets     0 0         0  
Goodwill     0 0         0  
Other assets     0 0         0  
Total assets     (545,271) (342,773)         (82,632)  
LIABILITIES                    
Payable to platform investors     0 0         0  
Borrowings     0 0         0  
Bonds payable       0            
Current income tax liabilities     3,414 (3,304)         (5,436)  
Accounts and other payables and contract liabilities     (52,843) (80,921)         (82,632)  
Payable to investors of consolidated structured entities     0 0         0  
Financing guarantee liabilities     0 0         0  
Deferred tax liabilities     (32,658) 3,304         5,436  
Lease liabilities     0 0         0  
Convertible promissory notes payable     0 0         0  
Financial assets sold under repurchase agreements     0 0         0  
Other liabilities     (463,184) (261,852)         0  
Optionally convertible promissory notes       0         0  
Total liabilities     (545,271) (342,773)         (82,632)  
EQUITY                    
Share capital     0 0         0  
Share premium     0 0         0  
Treasury shares     0 0         0  
Other reserves     0 0         0  
Retained earnings     0 0         0  
Total equity attributable to owners of the Company     0 0         0  
Non-controlling interests     0 0         0  
Total equity     0 0         0  
Total liabilities and equity     (545,271) (342,773)         (82,632)  
Cash flows from operating activities                    
Profit (loss) before tax     0 0            
Other Adjustments [Member]                    
Income Statement [Line Items]                    
Technology platform-based income     0 0            
Net interest income     634,060 (308,236)            
Guarantee income     0 0            
Other income     0 0            
Investment income     0 0            
Share of net losses of investments accounted for using the equity method     0 0            
Total income     634,060 (308,236)            
Total expenses                    
Sales and marketing expenses     0 0            
General and administrative expenses     0 0            
Operation and servicing expenses     0 0            
Technology and analytics expenses     0 0            
Credit impairment losses     0 0            
Asset impairment losses     0 0            
Finance costs     0 0            
Other gains - net     0 0            
Total expenses     0 0            
Profit before income tax expenses     634,060 (308,236)            
Less: Income tax expenses     (158,515) 77,059            
Net profit for the year     475,545 (231,177)            
Net profit/(loss) attributable to:                    
Owners of the Company     475,545 (231,177)            
Non-controlling interests     0 0            
Net profit for the year     ¥ 475,545 ¥ (231,177)            
Earnings per share (expressed in RMB per share)                    
-Basic earnings per share | ¥ / shares     ¥ 0.41 ¥ (0.2)            
-Diluted earnings per share | ¥ / shares     0.41 (0.2)            
-Basic earnings per ADS | ¥ / shares     0.82 (0.4)            
-Diluted earnings per ADS | ¥ / shares     ¥ 0.82 ¥ (0.4)            
ASSETS                    
Cash at bank     ¥ 0 ¥ 0         0  
Restricted cash     0 0         0  
Financial assets held under resale agreements     0 0         0  
Financial assets at fair value through profit or loss     0 0         0  
Financial assets at amortized cost     0 0         0  
Accounts and other receivables and contract assets     0 (43,293)         (325,824)  
Loans to customers     0 0         0  
Deferred tax assets     0 0         0  
Property and equipment     0 0         0  
Investments accounted for using the equity method     0 0         0  
Intangible assets     0 0         0  
Right-of-use assets     0 0         0  
Goodwill     0 0         0  
Other assets     0 (590,767)         0  
Total assets     0 (634,060)         (325,824)  
LIABILITIES                    
Payable to platform investors     0 0         0  
Borrowings     0 0         0  
Bonds payable       0            
Current income tax liabilities     0 0         0  
Accounts and other payables and contract liabilities     0 0         0  
Payable to investors of consolidated structured entities     0 0         0  
Financing guarantee liabilities     0 0         0  
Deferred tax liabilities     0 (158,515)         (81,456)  
Lease liabilities     0 0         0  
Convertible promissory notes payable     0 0         0  
Financial assets sold under repurchase agreements     0 0         0  
Other liabilities     0 0         0  
Optionally convertible promissory notes       0         0  
Total liabilities     0 (158,515)         (81,456)  
EQUITY                    
Share capital     0 0         0  
Share premium     0 0         0  
Treasury shares     0 0         0  
Other reserves     1,613,336 1,613,336         1,613,336  
Retained earnings     (1,613,336) (2,088,881)         (1,857,704)  
Total equity attributable to owners of the Company     0 (475,545)         (244,368)  
Non-controlling interests     0 0         0  
Total equity     0 (475,545)         (244,368)  
Total liabilities and equity     0 (634,060)         (325,824)  
Cash flows from operating activities                    
Profit (loss) before tax     634,060 (308,236)            
Previously stated [member]                    
Income Statement [Line Items]                    
Technology platform-based income     15,325,826 29,218,432            
Net interest income     12,348,357 18,981,376            
Guarantee income     4,392,376 7,372,509            
Other income     1,143,770 1,238,004            
Investment income     1,050,453 1,305,625            
Share of net losses of investments accounted for using the equity method     (5,416) (218)            
Total income     34,255,366 58,115,728            
Total expenses                    
Sales and marketing expenses     (9,867,488) (15,756,916)            
General and administrative expenses     (2,304,835) (2,830,119)            
Operation and servicing expenses     (6,118,635) (6,429,862)            
Technology and analytics expenses     (1,387,055) (1,872,454)            
Credit impairment losses     (12,697,308) (16,550,465)            
Asset impairment losses     (31,246) (427,108)            
Finance costs     (414,023) (1,238,992)            
Other gains - net     210,336 3,459            
Total expenses     (32,610,254) (45,102,457)            
Profit before income tax expenses     1,645,112 13,013,271            
Less: Income tax expenses     (610,626) (4,238,232)            
Net profit for the year     1,034,486 8,775,039            
Net profit/(loss) attributable to:                    
Owners of the Company     886,865 8,699,369            
Non-controlling interests     147,621 75,670            
Net profit for the year     ¥ 1,034,486 ¥ 8,775,039            
Earnings per share (expressed in RMB per share)                    
-Basic earnings per share | ¥ / shares     ¥ 0.77 ¥ 7.6            
-Diluted earnings per share | ¥ / shares     0.77 7.58            
-Basic earnings per ADS | ¥ / shares     1.54 15.2            
-Diluted earnings per ADS | ¥ / shares     ¥ 1.54 ¥ 15.16            
ASSETS                    
Cash at bank     ¥ 39,598,785 ¥ 43,882,127         34,743,188  
Restricted cash     11,145,838 26,508,631         30,453,539  
Financial assets held under resale agreements     0 0         5,527,177  
Financial assets at fair value through profit or loss     28,892,604 29,089,447         31,023,211  
Financial assets at amortized cost     3,011,570 4,716,448         3,784,613  
Accounts and other receivables and contract assets     7,293,671 15,758,135         22,344,773  
Loans to customers     129,693,954 211,446,645         214,972,110  
Deferred tax assets     5,572,042 4,990,352         4,873,370  
Property and equipment     180,310 322,499         380,081  
Investments accounted for using the equity method     2,609 39,271         459,496  
Intangible assets     874,919 885,056         899,406  
Right-of-use assets     400,900 754,010         804,990  
Goodwill     8,911,445 8,911,445         8,918,108  
Other assets     1,444,362 1,958,741         1,249,424  
Total assets     237,023,009 349,262,807         360,433,486  
LIABILITIES                    
Payable to platform investors     985,761 1,569,367         2,747,891  
Borrowings     38,823,284 36,915,513         25,927,417  
Bonds payable       2,143,348            
Current income tax liabilities     782,096 1,987,443         8,222,684  
Accounts and other payables and contract liabilities     6,977,118 12,198,654         8,814,255  
Payable to investors of consolidated structured entities     83,264,738 177,147,726         195,446,140  
Financing guarantee liabilities     4,185,532 5,763,369         2,697,109  
Deferred tax liabilities     524,064 694,090         833,694  
Lease liabilities     386,694 748,807         794,544  
Convertible promissory notes payable     5,650,268 5,164,139         10,669,498  
Financial assets sold under repurchase agreements     0 0         0  
Other liabilities     1,759,672 2,000,768         2,315,948  
Optionally convertible promissory notes       8,142,908         7,405,103  
Total liabilities     143,339,227 254,476,132         265,874,283  
EQUITY                    
Share capital     75 75         75  
Share premium     32,142,233 32,073,874         33,365,786  
Treasury shares     (5,642,768) (5,642,769)         (5,560,104)  
Other reserves     155,849 2,158,432         9,304,995  
Retained earnings     65,487,099 64,600,234         55,942,943  
Total equity attributable to owners of the Company     92,142,488 93,189,846         93,053,695  
Non-controlling interests     1,541,294 1,596,829         1,505,508  
Total equity     93,683,782 94,786,675         94,559,203 ¥ 94,559,203
Total liabilities and equity     237,023,009 349,262,807         ¥ 360,433,486  
Cash flows from operating activities                    
Profit (loss) before tax     1,645,112 13,013,271            
Adjustments to reconcile profit (loss) [abstract]                    
Depreciation, property, plant and equipment     181,171 177,799            
Depreciation, right-of-use assets     413,957 578,014            
Amortization of intangible assets     11,022 15,325            
Share of losses of associates and joint ventures     5,416 218            
Net gains on sale of property and equipment, and intangible assets     21,506 24,256            
Net unrealized losses on financial assets at fair value through profit or loss     197,027 212,297            
Non-cash employee benefits expense-share based payment     (36,143) 45,919            
Asset impairment losses     31,246 427,108            
Credit impairment losses     5,598,588 11,956,103            
Finance cost classified as financing activities     1,784,065 2,502,008            
Investment income classified as investing activities     (1,220,005) (1,460,167)            
Foreign exchange gains     (75,714) 877,232            
Change in operating assets and liabilities     8,557,248 28,369,383            
Decrease in loans to customers and accounts and other receivables     105,943,815 10,415,490            
Decrease in accounts and other payables     (96,748,653) (24,054,567)            
Cash generated from operating activities     17,752,410 14,730,306            
Income tax paid     (2,722,124) (10,275,005)            
Net cash generated from operating activities     15,030,286 4,455,301            
Cash flows from investing activities                    
Proceeds from sale of investment assets     67,031,534 99,031,093            
Proceeds from sale of property and equipment     8,220 19,655            
Interest received on investment assets     970,133 1,725,499            
Payment for acquisition of investment assets     (73,924,054) (97,732,903)            
Securities purchases under agreements to resell, net     0 5,527,177            
Payment for property and equipment and other long-term assets     (48,340) (122,843)            
Net cash inflow from disposal of subsidiaries     25,075              
Net cash generated from investing activities     (5,937,432) 8,447,678            
Cash flows from financing activities                    
Proceeds from capital contribution from the non-controlling shareholder of subsidiaries       15,938            
Proceeds from exercise of share-based payment     252 95,911            
Proceeds from borrowings     14,618,467 9,046,338            
Repayment of borrowings     (18,259,533) (5,794,772)            
Payment for early redemption and extension of convertible promissory notes payable     (3,642,931) (3,747,386)            
Repayment of optionally convertible promissory notes payable     (8,342,096)              
Repayment of bonds payable     (2,163,195)              
Payment for lease liabilities     (474,546) (604,172)            
Payment for interest expenses     (1,511,327) (1,213,186)            
Payment for dividend declared     (1,435,461) (7,717,474)            
Payment for acquisition of non-controlling interests of subsidiary     (199,200)              
Refund of cash reserved for repurchase of ordinary shares     854,624              
Net cash used in financing activities     (20,554,946) (9,918,803)            
Effect of exchange rate changes on cash and cash equivalents     404,677 57,025            
Net increase/(decrease) in cash and cash equivalents     (11,057,415) 3,041,201            
Add: Cash and cash equivalents at the beginning of the year   ¥ 18,480,096 29,537,511 26,496,310            
Cash and cash equivalents at the end of the year     ¥ 18,480,096 ¥ 29,537,511