| Schedule of financial information of VIEs |
| | | | | | | December 31, | | December 31, | | | 2024 | | 2025 | | | RMB | | RMB | ASSETS | | | | | Cash and cash equivalents | | 4,005,463 | | 2,995,112 | Restricted cash | | 1,581,586 | | 1,373,146 | Short term investments | | 222 | | 396,400 | Security deposit prepaid to third-party guarantee companies | | 162,617 | | 325,698 | Funds receivable from third party payment service providers | | 462,112 | | 848,163 | Accounts receivable and contract assets, net | | 981,541 | | 788,140 | Financial assets receivable, net | | 1,553,912 | | 1,510,205 | Amounts due from related parties | | 3,773 | | — | Loans receivable, net | | 19,757,480 | | 22,281,492 | Prepaid expenses and other assets | | 1,286,259 | | 417,058 | Accounts receivable and contract assets, net-noncurrent | | 21,538 | | 20,876 | Financial assets receivable, net-non current | | 170,779 | | 209,459 | Amounts due from related parties, non-current | | 14 | | — | Loans receivable, net-noncurrent | | 1,906,174 | | 2,247,803 | Property and equipment, net | | 348,706 | | 628,112 | Land use rights, net | | 956,738 | | 966,582 | Intangible assets | | 2,616 | | 1,541 | Deferred tax assets | | 1,124,612 | | 1,264,975 | Other non-current assets | | 23,256 | | 26,994 | Total Assets | | 34,349,398 | | 36,301,756 | | | | | | LIABILITIES | | | | | Accrued expenses and other current liabilities | | 2,150,644 | | 2,605,314 | Amounts due to related parties | | 67,495 | | — | Short term loans | | 1,359,601 | | 1,152,891 | Guarantee liabilities-stand ready | | 2,383,202 | | 2,314,865 | Guarantee liabilities-contingent | | 1,820,350 | | 1,872,149 | Income tax payable | | 618,932 | | 655,112 | Other tax payable | | 17,965 | | 1,572 | Deferred tax liabilities | | 64,395 | | 66,718 | Other long-term liabilities | | 253,136 | | 475,218 | Total liabilities | | 8,735,720 | | 9,143,839 |
| | | | | | | | | Year ended | | Year ended | | Year ended | | | December 31, 2023 | | December 31, 2024 | | December 31, 2025 | | | RMB | | RMB | | RMB | Net revenue | | 12,902,396 | | 13,826,053 | | 15,340,360 | Net income | | 3,178,907 | | 6,156,470 | | 4,906,407 |
| | | | | | | | | Year ended | | Year ended | | Year ended | | | December 31, 2023 | | December 31, 2024 | | December 31, 2025 | | | RMB | | RMB | | RMB | Net cash provided by operating activities | | 4,406,482 | | 8,355,774 | | 7,739,638 | Net cash used in investing activities | | (11,176,472) | | (5,837,683) | | (5,420,076) | Net cash provided by financing activities | | 721,352 | | 717,857 | | 21,898 |
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