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
|
|
|
|
|
|
|