Financing Guarantee Liabilities (Tables)

12 Months Ended

Dec. 31, 2024

Disclosure Of Financing Guarantee Liabilities [Abstract]

Summary of Movement of gross carrying amount of financing guarantee contracts

(a)	The following table sets forth the movement of gross carrying amount of financing guarantee contracts for the year ended December 31, 2022:


		Year ended December 31, 2022
		Stage 1				Stage 2				Stage 3				Total
		RMB’000				RMB’000				RMB’000				RMB’000
		(Restated)				(Restated)				(Restated)				(Restated)
As of January 1, 2022			64,416,918				314,451				—				64,731,369
New guarantee contracts originated			59,085,462				—				—				59,085,462
Transfers
— From stage 1 to stage 2			(5,887,854	)			5,887,854				—				—
— From stage 2 to stage 1			127,068				(127,068	)			—				—
Guarantee liabilities derecognized and other adjustments in the current period (including repayments of loans and guarantee payments)			(50,729,902	)			(4,583,991	)			—				(55,313,893	)

As of December 31, 2022			67,011,692				1,491,246				—				68,502,938

(b)	The following table sets forth the movement of ECL allowance of financing guarantee contracts for the year ended December 31, 2022:


		Year ended December 31, 2022
		Stage 1				Stage 2				Stage 3				Total
		RMB’000				RMB’000				RMB’000				RMB’000
		(Restated)				(Restated)				(Restated)				(Restated)
As of January 1, 2022			2,402,385				294,724				—				2,697,109
New guarantee contracts originated			980,980				—				—				980,980
Transfers
— From stage 1 to stage 2			(4,514,480	)			4,514,480				—				—
— From stage 2 to stage 1			114,996				(114,996	)			—				—
Guarantee liabilities derecognized and other adjustments in the current period (including repayments of loans and guarantee payments)			(2,201,596	)			(4,336,572	)			—				(6,538,168	)
Remeasurements			7,593,435				1,030,013				—				8,623,448

As of December 31, 2022			4,375,720				1,387,649				—				5,763,369

(c)	The following table sets forth the movement of gross carrying amount of financing guarantee contracts for the year ended December 31, 2023:


		Year ended December 31, 2023
		Stage 1				Stage 2				Stage 3				Total
		RMB’000				RMB’000				RMB’000				RMB’000
		(Restated)				(Restated)				(Restated)				(Restated)
As of January 1, 2023			67,011,692				1,491,246				—				68,502,938
New guarantee contracts originated			38,342,179				—				—				38,342,179
Transfers
— From stage 1 to stage 2			(7,000,050	)			7,000,050				—				—
— From stage 2 to stage 1			334,007				(334,007	)			—				—
Guarantee liabilities derecognized and other adjustments in the current period (including repayments of loans and guarantee payments)			(44,798,214	)			(7,143,416	)			—				(51,941,630	)

As of December 31, 2023			53,889,614				1,013,873				—				54,903,487

(d)	The following table sets forth the movement of ECL allowance of financing guarantee contracts for the year ended December 31, 2023:


		Year ended December 31, 2023
		Stage 1				Stage 2				Stage 3				Total
		RMB’000				RMB’000				RMB’000				RMB’000
		(Restated)				(Restated)				(Restated)				(Restated)
As of January 1, 2023			4,375,720				1,387,649				—				5,763,369
New guarantee contracts originated			676,224				—				—				676,224
Transfers
— From stage 1 to stage 2			(5,805,478	)			5,805,478				—				—
— From stage 2 to stage 1			313,688				(313,688	)			—				—
Guarantee liabilities derecognized and other adjustments in the current period (including repayments of loans and guarantee payments)			(2,830,662	)			(6,733,874	)			—				(9,564,536	)
Remeasurements			6,501,258				809,217				—				7,310,475

As of December 31, 2023			3,230,750				954,782				—				4,185,532

(e)	The following table sets forth the movement of gross carrying amount of financing guarantee contracts for the year ended December 31, 2024:


		Year ended December 31, 2024
		Stage 1				Stage 2				Stage 3				Total
		RMB’000				RMB’000				RMB’000				RMB’000
As of January 1, 2024			53,889,614				1,013,873				—				54,903,487
New guarantee contracts originated			65,141,133				—				—				65,141,133
Transfers
— From stage 1 to stage 2			(4,928,503	)			4,928,503				—				—
— From stage 2 to stage 1			210,646				(210,646	)			—				—
Guarantee liabilities derecognized and other adjustments in the current period (including repayments of loans and guarantee payments)			(46,944,282	)			(5,083,315	)			—				(52,027,597	)

As of December 31, 2024			67,368,608				648,415				—				68,017,023

(f)	The following table sets forth the movement of ECL allowance of financing guarantee contracts for the year ended December 31, 2024:


		Year ended December 31, 2024
		Stage 1				Stage 2				Stage 3				Total
		RMB’000				RMB’000				RMB’000				RMB’000
As of January 1, 2024			3,230,750				954,782				—				4,185,532
New guarantee contracts originated			1,384,484				—				—				1,384,484
Transfers
— From stage 1 to stage 2			(4,087,051	)			4,087,051				—				—
— From stage 2 to stage 1			195,357				(195,357	)			—				—
Guarantee liabilities derecognized and other adjustments in the current period (including repayments of loans and guarantee payments)			(2,364,552	)			(4,744,347	)			—				(7,108,899	)
Remeasurements			5,264,775				492,087				—				5,756,862

As of December 31, 2024			3,623,763				594,216				—				4,217,979