Accounts And Other Receivables And Contract Assets (Tables)
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12 Months Ended |
Dec. 31, 2024 |
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| Disclosure of financial assets [line items] |
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| Disclosure Of Detailed Information About Accounts and Other Receivables and Contract Assets [Text Block] |
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(Restated ) |
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(Restated ) |
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Contract acquisition cost ( c ) |
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6,236,822 |
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2,812,305 |
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1,518,642 |
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Receivables from core retail credit and enablement service |
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3,736,176 |
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1,564,189 |
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1,354,390 |
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Receivables from external payment services providers (a) |
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1,826,203 |
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1,059,093 |
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1,861,227 |
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Trust statutory deposits (b) |
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1,058,355 |
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627,674 |
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445,709 |
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Other deposits |
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505,764 |
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390,173 |
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296,825 |
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Receivables from guarantee arrangements |
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430,908 |
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273,838 |
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308,223 |
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Receivables from other technology platform-based service |
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508,202 |
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181,602 |
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71,005 |
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Receivables from ADS income |
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95,246 |
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107,079 |
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57,791 |
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Receivables from referral arrangements |
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586,461 |
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51,724 |
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6,005 |
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Receivables from exercise of share options |
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197 |
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1,670 |
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3,999 |
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Receivables for shares repurchase program (Note 41(a)) |
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859,772 |
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— |
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— |
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Others |
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617,453 |
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552,352 |
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424,011 |
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Less: Provision for impairment losses ( d ) |
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(639,501 |
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(274,012 |
) |
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(131,177 |
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(a) |
The Group maintains accounts with external online payment service providers to transfer deposits of platform investors, collect principal and interest from borrowers and dispatch loan proceeds to borrowers. The Group recorded the related amounts as receivables from external payment service providers. |
(b) |
The balances represent cash deposited in China Trust Protection Fund Co., Ltd. as required by the trust regulations. |
(c) |
As of December 31, 2022, 2023 and 2024, the remaining amount of consideration the Group expected to receive is higher than the carrying amount of contract acquisition cost. As such, no loss allowance was recorded against contract acquisition cost. |
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| Disclosure Of Detailed Information About Movements In Provision for Impairment Losses [Text Block] |
(d) |
The following table sets forth the movements in the provision for impairment losses: |
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For the year ended December 31, |
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At the beginning of the year |
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630,848 |
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639,501 |
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274,012 |
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Impairment losses recognized in the consolidated statements of comprehensive income |
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1,140,937 |
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629,124 |
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189,084 |
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Written off during the year |
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(1,172,660 |
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(1,090,364 |
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(367,190 |
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Recovery of receivables written off previously |
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40,376 |
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95,751 |
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35,271 |
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At the end of the year |
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639,501 |
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274,012 |
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131,177 |
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| Schedule Of Aging Analysis Of Receivables Generated From Activities |
The loss allowance as of December 31, 2022 was determined against receivables from core retail credit and enablement service, other technology platform-based service and referral and guarantee arrangements, as follows:
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Receivables from core retail credit and enablement service |
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3,315,385 |
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176,470 |
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244,321 |
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3,736,176 |
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Receivables from other technology platform-based service |
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508,202 |
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— |
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— |
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508,202 |
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Receivables from referral arrangements |
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586,461 |
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— |
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— |
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586,461 |
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Receivables from guarantee arrangements |
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321,228 |
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52,191 |
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57,489 |
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430,908 |
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Loss allowance |
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(147,337 |
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(211,145 |
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(281,019 |
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(639,501 |
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The loss allowance as of December 31, 2023 was determined against receivables from core retail credit and enablement service, other technology platform-based service and referral and guarantee arrangements, as follows:
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Receivables from core retail credit and enablement service |
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1,363,507 |
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83,450 |
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117,232 |
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1,564,189 |
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Receivables from other technology platform-based service |
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181,602 |
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— |
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— |
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181,602 |
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Receivables from referral arrangements |
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51,724 |
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— |
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— |
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51,724 |
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Receivables from guarantee arrangements |
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192,888 |
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36,807 |
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44,143 |
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273,838 |
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Loss allowance |
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(21,505 |
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(94,142 |
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(158,365 |
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(274,012 |
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| The loss allowance as of December 31, 2024 was determined against receivables from core retail credit and enablement service, other technology platform-based service and referral and guarantee arrangements, as follows:
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As of December 31, 2024 |
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Receivables from core retail credit and enablement service |
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1,284,919 |
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29,109 |
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40,362 |
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1,354,390 |
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Receivables from other technology platform-based service |
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71,005 |
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— |
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— |
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71,005 |
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Receivables from referral arrangements |
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6,005 |
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— |
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— |
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6,005 |
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Receivables from guarantee arrangements |
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269,277 |
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18,862 |
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20,084 |
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308,223 |
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Loss allowance |
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(30,251 |
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(41,455 |
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(59,471 |
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(131,177 |
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