Financing Guarantee Liabilities (Tables)

12 Months Ended

Dec. 31, 2025

Disclosure Of Financing Guarantee Liabilities [Abstract]

Summary of Movement of gross carrying amount of financing guarantee contracts

(a)	The following table sets forth the movements of the 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
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

(b)	The following table sets forth the movements 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
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

(c)	The following table sets forth the movements of the 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

(d)	The following table sets forth the movements 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

(e)	The following table sets forth the movements of the gross carrying amount of financing guarantee contracts for the year ended December 31, 2025:


		Year ended December 31, 2025
		Stage 1				Stage 2				Stage 3				Total
		RMB’000				RMB’000				RMB’000				RMB’000
As of January 1, 2025			67,368,608				648,415				—				68,017,023
New guarantee contracts originated			58,210,478				—				—				58,210,478
Transfers
— From stage 1 to stage 2			(8,397,741	)			8,397,741				—				—
— From stage 2 to stage 1			539,738				(539,738	)			—				—
Guarantee liabilities derecognized and other adjustments in the current period (including repayments of loans and guarantee payments)			(52,344,977	)			(6,412,316	)			—				(58,757,293	)

As of December 31, 2025			65,376,106				2,094,102				—				67,470,208

(f)	The following table sets forth the movements of ECL allowance of financing guarantee contracts for the year ended December 31, 2025:


		Year ended December 31, 2025
		Stage 1				Stage 2				Stage 3				Total
		RMB’000				RMB’000				RMB’000				RMB’000
As of January 1, 2025			3,623,763				594,216				—				4,217,979
New guarantee contracts originated			1,502,173				—				—				1,502,173
Transfers
— From stage 1 to stage 2			(5,778,027	)			5,778,027				—				—
— From stage 2 to stage 1			482,315				(482,315	)			—				—
Guarantee liabilities derecognized and other adjustments in the current period (including repayments of loans and guarantee payments)			(2,991,987	)			(5,764,808	)			—				(8,756,795	)
Remeasurements			6,958,587				1,725,399				—				8,683,986

As of December 31, 2025			3,796,824				1,850,519				—				5,647,343