v3.25.4
Financial Instruments And Risks - Summary of Out The Group's Financial Assets And Financial Liabilities Exposed To Interest Rate Risk (Detail)
¥ in Thousands, $ in Millions
Dec. 31, 2024
CNY (¥)
Dec. 31, 2023
CNY (¥)
Dec. 31, 2022
CNY (¥)
Jul. 14, 2022
CNY (¥)
Jul. 14, 2022
USD ($)
Jul. 07, 2022
CNY (¥)
Jul. 07, 2022
USD ($)
Jan. 01, 2022
CNY (¥)
Dec. 31, 2021
CNY (¥)
ASSETS                  
Bank deposits ¥ 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 fair value through other comprehensive income 1,156,095 0 0            
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  
Other assets 831,626 1,551,365 1,373,679         1,292,595  
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  
Current deposits from customers 3,933,750 0 0            
Bonds payable 0 0 2,143,348 ¥ 2,013,000 $ 300 ¥ 2,013,000 $ 300    
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  
Lease liabilities 302,867 404,518 760,626         811,248  
Financial assets sold under repurchase agreements 782,459 1,307,395 3,343,950         ¥ 620,297  
Adjustment on correction of errors (net of tax) [member]                  
ASSETS                  
Financial assets at amortized cost 1,499,000   3,411,084            
LIABILITIES                  
Borrowings   1,827,339              
Gross carrying amount [member]                  
ASSETS                  
Bank deposits 29,903,846 39,695,914 43,939,270            
Restricted cash 14,132,034 13,416,615 27,086,721            
Financial assets held under resale agreements 657,033 28,834 40,023            
Financial assets at fair value through profit or loss 20,355,814 24,763,205 31,914,128            
Financial assets at fair value through other comprehensive income 1,156,095                
Financial assets at amortized cost 2,876,364 2,888,532 4,568,767           ¥ 3,682,192
Accounts and other receivables and contract assets 4,698,008 4,535,382 9,585,236            
Loans to customers 111,508,669 129,693,954 211,446,645            
Other assets     447,443            
Total financial assets 183,910,499 213,891,987 327,870,550            
LIABILITIES                  
Payable to platform investors 721,558 985,761 1,569,367            
Borrowings 51,114,575 38,823,284 36,915,513            
Current deposits from customers 3,933,750                
Bonds payable     2,143,348            
Accounts and other payables and contract liabilities 2,833,692 2,791,832 6,118,819            
Payable to investors of consolidated structured entities 42,795,624 79,458,267 176,352,333            
Financing guarantee liabilities 4,217,979 4,185,532 5,763,369            
Lease liabilities 302,867 404,518 760,626            
Convertible promissory notes payable 6,174,050 5,650,268 5,164,139            
Optionally convertible promissory notes     8,142,908            
Financial assets sold under repurchase agreements 782,459 1,307,395 3,343,950            
Total financial liabilities 112,876,554 133,606,857 246,274,372            
Nominal amount of interest rate swap     0            
Total interest rate sensitivity gap 71,033,945 80,285,130 81,596,178            
Gross carrying amount [member] | Adjustment on correction of errors (net of tax) [member]                  
ASSETS                  
Financial assets at amortized cost   1,758,083              
Not later than three months [member]                  
ASSETS                  
Bank deposits 13,730,791 21,674,685 33,211,584            
Restricted cash 12,606,465 10,060,275 24,711,956            
Financial assets held under resale agreements 657,001 28,834 40,000            
Financial assets at fair value through profit or loss 4,848,823 7,373,132 7,932,571            
Financial assets at fair value through other comprehensive income 647,826                
Financial assets at amortized cost 1,499,000 1,500,195 2,503,075            
Accounts and other receivables and contract assets 0 0 0            
Loans to customers 18,740,577 29,467,099 46,688,746            
Other assets     0            
Total financial assets 52,730,483 70,104,220 115,087,932            
LIABILITIES                  
Payable to platform investors 0 0 0            
Borrowings 11,126,077 10,066,440 9,146,660            
Current deposits from customers 2,906,107                
Bonds payable     0            
Accounts and other payables and contract liabilities 0 0 0            
Payable to investors of consolidated structured entities 12,719,274 24,380,794 42,976,724            
Financing guarantee liabilities 0 0 0            
Lease liabilities 56,162 77,028 129,260            
Convertible promissory notes payable 0 0 0            
Optionally convertible promissory notes     0            
Financial assets sold under repurchase agreements 782,397 1,306,996 3,343,950            
Total financial liabilities 27,590,017 35,831,258 55,596,594            
Nominal amount of interest rate swap     (8,984,334)            
Total interest rate sensitivity gap 25,140,466 34,272,962 68,475,672            
Later than three months and not later than one year [member]                  
ASSETS                  
Bank deposits 4,576,585 3,799,379 39,997            
Restricted cash 468,019 1,366,459 953,792            
Financial assets held under resale agreements 0 0 0            
Financial assets at fair value through profit or loss 2,793,141 2,231,011 4,198,322            
Financial assets at fair value through other comprehensive income 390,295                
Financial assets at amortized cost 0 9,068 631,585            
Accounts and other receivables and contract assets 0 0 0            
Loans to customers 44,898,185 57,658,476 92,001,986            
Other assets     0            
Total financial assets 53,126,225 65,064,393 97,825,682            
LIABILITIES                  
Payable to platform investors 0 0 0            
Borrowings 37,633,114 25,736,669 27,471,904            
Current deposits from customers 1,026,951                
Bonds payable     2,143,348            
Accounts and other payables and contract liabilities 0 0 0            
Payable to investors of consolidated structured entities 21,581,299 39,450,117 86,268,455            
Financing guarantee liabilities 0 0 0            
Lease liabilities 130,705 176,662 299,806            
Convertible promissory notes payable 0 0 0            
Optionally convertible promissory notes     8,142,908            
Financial assets sold under repurchase agreements 0 0 0            
Total financial liabilities 60,372,069 65,363,448 124,326,421            
Nominal amount of interest rate swap     8,984,334            
Total interest rate sensitivity gap (7,245,844) (299,055) (35,485,073)            
Later than one year and not later than two years [member]                  
ASSETS                  
Bank deposits 7,580,550 3,860,661 1,499,816            
Restricted cash 953,933 659,066 856,696            
Financial assets held under resale agreements 0 0 0            
Financial assets at fair value through profit or loss 1,129,890 851,210 628,321            
Financial assets at fair value through other comprehensive income 0                
Financial assets at amortized cost 0 7,785 0            
Accounts and other receivables and contract assets 0 0 0            
Loans to customers 23,977,895 26,210,707 47,224,580            
Other assets     0            
Total financial assets 33,642,268 31,589,429 50,209,413            
LIABILITIES                  
Payable to platform investors 0 0 0            
Borrowings 2,000,443 1,838,920 0            
Current deposits from customers 0                
Bonds payable     0            
Accounts and other payables and contract liabilities 0 0 0            
Payable to investors of consolidated structured entities 7,973,593 14,436,184 43,236,860            
Financing guarantee liabilities 0 0 0            
Lease liabilities 91,030 113,811 256,947            
Convertible promissory notes payable 6,174,050 0 0            
Optionally convertible promissory notes     0            
Financial assets sold under repurchase agreements 0 0 0            
Total financial liabilities 16,205,872 16,377,334 43,493,807            
Nominal amount of interest rate swap     0            
Total interest rate sensitivity gap 17,436,396 15,212,095 6,715,606            
Later than one year and not later than two years [member] | Adjustment on correction of errors (net of tax) [member]                  
LIABILITIES                  
Borrowings 1,967,199                
Later than two years and not later than three years [member]                  
ASSETS                  
Bank deposits 2,079,228 3,549,486 3,420,799            
Restricted cash 49,455 1,274,176 475,101            
Financial assets held under resale agreements 0 0 0            
Financial assets at fair value through profit or loss 793,443 287,246 613,055            
Financial assets at fair value through other comprehensive income 117,974                
Financial assets at amortized cost 0 0 17,225            
Accounts and other receivables and contract assets 0 0 0            
Loans to customers 21,407,199 12,822,563 20,219,306            
Other assets     0            
Total financial assets 24,447,299 17,933,471 24,745,486            
LIABILITIES                  
Payable to platform investors 0 0 0            
Borrowings 0 952,740 0            
Current deposits from customers 0                
Bonds payable     0            
Accounts and other payables and contract liabilities 0 0 0            
Payable to investors of consolidated structured entities 521,458 1,190,436 3,805,527            
Financing guarantee liabilities 0 0 0            
Lease liabilities 24,766 34,688 67,800            
Convertible promissory notes payable 0 5,650,268 0            
Optionally convertible promissory notes     0            
Financial assets sold under repurchase agreements 0 0 0            
Total financial liabilities 546,224 7,828,132 3,873,327            
Nominal amount of interest rate swap     0            
Total interest rate sensitivity gap 23,901,075 10,105,339 20,872,159            
Later than three years [member]                  
ASSETS                  
Bank deposits 799,900 5,848,577 5,348,809            
Restricted cash 0 414 0            
Financial assets held under resale agreements 0 0 0            
Financial assets at fair value through profit or loss 1,742,218 2,722,181 3,498,313            
Financial assets at fair value through other comprehensive income 0                
Financial assets at amortized cost 0 0 0            
Accounts and other receivables and contract assets 0 0 0            
Loans to customers 855,385 408,496 156,894            
Other assets     0            
Total financial assets 3,397,503 8,979,668 9,004,016            
LIABILITIES                  
Payable to platform investors 0 0 0            
Borrowings 0 0 0            
Current deposits from customers 0                
Bonds payable     0            
Accounts and other payables and contract liabilities 0 0 0            
Payable to investors of consolidated structured entities 0 736 64,767            
Financing guarantee liabilities 0 0 0            
Lease liabilities 204 2,329 6,813            
Convertible promissory notes payable 0 0 5,164,139            
Optionally convertible promissory notes     0            
Financial assets sold under repurchase agreements 0 0 0            
Total financial liabilities 204 3,065 5,235,719            
Nominal amount of interest rate swap     0            
Total interest rate sensitivity gap 3,397,299 8,976,603 3,768,297            
Overdue [Member]                  
ASSETS                  
Bank deposits 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 3,176,372 5,022,962 2,819,445            
Financial assets at fair value through other comprehensive income 0                
Financial assets at amortized cost 0 241,035 259,199            
Accounts and other receivables and contract assets 0 0 0            
Loans to customers 1,629,428 3,126,613 5,155,133            
Other assets     0            
Total financial assets 4,805,800 8,390,610 8,233,777            
LIABILITIES                  
Payable to platform investors 0 0 0            
Borrowings 0 0 0            
Current deposits from customers 0                
Bonds payable     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            
Lease liabilities 0 0 0            
Convertible promissory notes payable 0 0 0            
Optionally convertible promissory notes     0            
Financial assets sold under repurchase agreements 0 0 0            
Total financial liabilities 0 0 0            
Nominal amount of interest rate swap     0            
Total interest rate sensitivity gap 4,805,800 8,390,610 8,233,777            
No Interest [Member]                  
ASSETS                  
Bank deposits 1,136,792 963,126 418,265            
Restricted cash 54,162 56,225 89,176            
Financial assets held under resale agreements 32 0 23            
Financial assets at fair value through profit or loss 5,871,927 6,275,463 12,224,101            
Financial assets at fair value through other comprehensive income 0                
Financial assets at amortized cost 0 0 0            
Accounts and other receivables and contract assets 4,698,008 4,535,382 9,585,236            
Loans to customers 0 0 0            
Other assets     447,443            
Total financial assets 11,760,921 11,830,196 22,764,244            
LIABILITIES                  
Payable to platform investors 721,558 985,761 1,569,367            
Borrowings 388,185 240,096 296,949            
Current deposits from customers 692                
Bonds payable     0            
Accounts and other payables and contract liabilities 2,833,692 2,791,832 6,118,819            
Payable to investors of consolidated structured entities 0 0 0            
Financing guarantee liabilities 4,217,979 4,185,532 5,763,369            
Lease liabilities 0 0 0            
Convertible promissory notes payable 0 0 0            
Optionally convertible promissory notes     0            
Financial assets sold under repurchase agreements 62 399 0            
Total financial liabilities 8,162,168 8,203,620 13,748,504            
Nominal amount of interest rate swap     0            
Total interest rate sensitivity gap ¥ 3,598,753 ¥ 3,626,576 ¥ 9,015,740