v3.26.1
Segment report - Summary of operating segment (Details) - CNY (¥)
¥ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Disclosure of operating segments [line items]      
Net interest income ¥ 13,194,380 ¥ 12,311,328 ¥ 13,112,128
Investment income/(loss) 1,654,764 (1,045,820) 79,976
Share of net losses of investments accounted for using the equity method 0 (691) (5,416)
Total income 27,127,610 24,513,408 34,288,710
Sales and marketing expenses (4,035,625) (5,406,371) (9,888,675)
General and administrative expenses (1,922,484) (2,023,650) (2,350,043)
Operation and servicing expenses (3,837,209) (5,034,010) (6,192,537)
Technology and analytics expenses (990,848) (1,177,697) (1,405,800)
Credit impairment losses (16,558,416) (12,612,907) (12,695,662)
Total expenses (27,705,356) (26,592,093) (32,700,245)
Segment profit/(loss) before taxation (577,746) (2,078,685) 1,588,465
Less: Income tax expense (1,133,865) (1,524,830) (635,367)
Segment profit/(loss) (1,711,611) (3,603,515) ¥ 953,098
Total assets 208,114,647 203,536,643  
Total liabilities 126,073,572 119,938,886  
Reportable segments [member]      
Disclosure of operating segments [line items]      
Service income 12,278,466 13,248,591  
Net interest income 13,194,380 12,311,328  
Investment income/(loss) 1,654,764 (1,045,820)  
Share of net losses of investments accounted for using the equity method   (691)  
Total income 27,127,610 24,513,408  
Sales and marketing expenses (3,923,562) (5,245,453)  
General and administrative expenses (1,841,486) (1,914,342)  
Operation and servicing expenses (3,791,110) (4,953,447)  
Technology and analytics expenses (963,345) (1,102,964)  
Credit impairment losses (16,558,416) (12,612,907)  
Depreciation and amortization (266,663) (425,522)  
Others (360,774) (337,458)  
Total expenses (27,705,356) (26,592,093)  
Segment profit/(loss) before taxation (577,746) (2,078,685)  
Less: Income tax expense (1,133,865) (1,524,830)  
Segment profit/(loss) (1,711,611) (3,603,515)  
Total assets 208,114,647 203,536,643  
Total liabilities 126,073,572 119,938,886  
Reportable segments [member] | Lending Related Business [Member]      
Disclosure of operating segments [line items]      
Service income 12,294,156 13,269,082  
Net interest income 13,102,453 12,252,365  
Investment income/(loss) 1,622,699 (969,967)  
Share of net losses of investments accounted for using the equity method   (691)  
Total income 27,019,308 24,550,789  
Sales and marketing expenses (3,870,154) (5,211,047)  
General and administrative expenses (1,511,519) (1,736,182)  
Operation and servicing expenses (3,685,504) (4,874,498)  
Technology and analytics expenses (902,023) (1,071,840)  
Credit impairment losses (16,434,843) (12,544,752)  
Depreciation and amortization (248,038) (388,252)  
Others 222,508 413,175  
Total expenses (26,429,573) (25,413,396)  
Segment profit/(loss) before taxation 589,735 (862,607)  
Less: Income tax expense (502,192) (472,871)  
Segment profit/(loss) 87,543 (1,335,478)  
Total assets 200,937,283 199,001,686  
Total liabilities 119,523,801 115,102,461  
Reportable segments [member] | Digital Banking Business [Member]      
Disclosure of operating segments [line items]      
Service income 2,958 123  
Net interest income 91,707 57,685  
Investment income/(loss) 108,057 47,037  
Share of net losses of investments accounted for using the equity method   0  
Total income 202,722 104,845  
Sales and marketing expenses (63,732) (35,855)  
General and administrative expenses (50,572) (30,515)  
Operation and servicing expenses (108,658) (80,301)  
Technology and analytics expenses (73,671) (49,902)  
Credit impairment losses (123,028) (64,488)  
Depreciation and amortization (14,619) (34,271)  
Others (17,000) (63,764)  
Total expenses (451,280) (359,096)  
Segment profit/(loss) before taxation (248,558) (254,251)  
Less: Income tax expense 0 0  
Segment profit/(loss) (248,558) (254,251)  
Total assets 11,194,673 4,884,657  
Total liabilities 10,059,051 4,124,629  
Reportable segments [member] | Material reconciling items [member]      
Disclosure of operating segments [line items]      
Service income [1] (18,648) (20,614)  
Net interest income [1] 220 1,278  
Investment income/(loss) [1] (75,992) (122,890)  
Share of net losses of investments accounted for using the equity method [1]   0  
Total income [1] (94,420) (142,226)  
Sales and marketing expenses [1] 10,324 1,449  
General and administrative expenses [1] (279,395) (147,645)  
Operation and servicing expenses [1] 3,052 1,352  
Technology and analytics expenses [1] 12,349 18,778  
Credit impairment losses [1] (545) (3,667)  
Depreciation and amortization [1] (4,006) (2,999)  
Others [1] (566,282) (686,869)  
Total expenses [1] (824,503) (819,601)  
Segment profit/(loss) before taxation [1] (918,923) (961,827)  
Less: Income tax expense [1] (631,673) (1,051,959)  
Segment profit/(loss) [1] (1,550,596) (2,013,786)  
Total assets [1] (4,017,309) (349,700)  
Total liabilities [1] (3,509,280) 711,796  
External Customers [Member] | Reportable segments [member]      
Disclosure of operating segments [line items]      
Service income 12,278,466 13,248,591  
External Customers [Member] | Reportable segments [member] | Lending Related Business [Member]      
Disclosure of operating segments [line items]      
Service income 12,277,668 13,258,127  
External Customers [Member] | Reportable segments [member] | Digital Banking Business [Member]      
Disclosure of operating segments [line items]      
Service income 2,640 123  
External Customers [Member] | Reportable segments [member] | Material reconciling items [member]      
Disclosure of operating segments [line items]      
Service income [1] (1,842) (9,659)  
Inter Segment [Member] | Reportable segments [member]      
Disclosure of operating segments [line items]      
Service income 0 0  
Inter Segment [Member] | Reportable segments [member] | Lending Related Business [Member]      
Disclosure of operating segments [line items]      
Service income 16,488 10,955  
Inter Segment [Member] | Reportable segments [member] | Digital Banking Business [Member]      
Disclosure of operating segments [line items]      
Service income 318 0  
Inter Segment [Member] | Reportable segments [member] | Material reconciling items [member]      
Disclosure of operating segments [line items]      
Service income [1] ¥ (16,806) ¥ (10,955)  
[1] Others and eliminations mainly represented the Group’s assets, liabilities, income and expenses that are held or incurred for corporate function; or unable to be allocated to a segment on a reasonable basis.