Technology platform-based income (Tables)

12 Months Ended

Dec. 31, 2025

Disclosure of disaggregation of revenue from contracts with customers [abstract]

Summary of Technology platform based income


		For the year ended December 31,
		2023				2024				2025
		RMB’000				RMB’000				RMB’000
Technology platform-based income
Retail credit and enablement service fees			15,134,217				8,066,367				5,503,149
Other technology platform-based income			184,527				94,655				84,958

			15,318,744				8,161,022				5,588,107

Summary of Retail Credit Facilitation Service Fees

For the years ended December 31, 2023, 2024 and 2025, 100% of the Group’s technology

platform-based income was derived from the Chinese Mainland.


						For the year ended December 31,
						2023				2024				2025
						RMB’000				RMB’000				RMB’000
Retail credit and enablement service fees
Loan enablement service fees			At a point in time				978,958				1,571,966				1,290,565
Post-origination service fees			Over time				13,729,327				6,480,642				4,212,459
Referral income from platform service			At a point in time				425,932				13,759				125

							15,134,217				8,066,367				5,503,149