| Borrowings |
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| Secured |
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| - Bank borrowings (a) |
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— |
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8,227,300 |
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| Unsecured |
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| - Bank borrowings (b) |
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50,726,390 |
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54,890,796 |
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50,726,390 |
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63,118,096 |
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| Interest payable |
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388,185 |
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417,817 |
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| Total borrowings |
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| (a) |
As of December 31, 2025, the Group had RMB8,227.3 million (2024: nil) secured bank borrowings pledged by deposits. The terms of the borrowings are twelve months, whose interest rates range from 2.135% to 3.10% per annum. |
| (b) |
The following table sets forth the range of interest rates of borrowings as of December 31, 2024 and 2025: |
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| Bank borrowings - fixed rate |
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2.24%-4.20% |
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1.65%-4.20% |
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| Bank borrowings - floating rate |
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3.78%-7.23% |
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3.35%-6.39% |
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| (c) |
The bank borrowings are repayable as follows: |
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RMB’000 |
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| Within 1 year |
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49,114,132 |
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62,088,750 |
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| Between 1 and 2 years |
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2,000,443 |
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1,447,163 |
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