| Schedule of movement of guarantee liabilities |
| | | | | RMB | As of January 1, 2024 | | 3,949,601 | Provision at the inception of new loans | | 2,350,319 | Released into revenue | | (3,916,718) | As of December 31, 2024 | | 2,383,202 | | | | As of January 1, 2025 | | 2,383,202 | Provision at the inception of new loans | | 3,549,392 | Released into revenue | | (3,617,729) | As of December 31, 2025 | | 2,314,865 |
| | | | | RMB | As of January 1, 2024 | | 3,207,264 | Provision for contingent liabilities | | 478,404 | Net payout (1) | | (1,865,318) | As of December 31, 2024 | | 1,820,350 | | | | As of January 1, 2025 | | 1,820,350 | Provision for contingent liabilities | | 1,667,742 | Net payout (1) | | (1,615,943) | As of December 31, 2025 | | 1,872,149 |
| (1) | Net payout represents the amount paid upon borrowers’ default net of subsequent recoveries from the borrowers during a given period. |
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| Schedule of aging of the Group's contractual amounts of the outstanding loans subject to guarantee |
| | | | | | | | | | | | | | | | | 31-60 | | 61-90 | | Over 90 | | | | | | | 0-30 days | | days | | days | | days | | | | | | | past | | past | | past | | past | | | | | | | due | | due | | due | | due | | Current | | Total loans | December 31, 2024 (RMB): | | 200,765 | | 96,403 | | 10,661 | | — | | 24,515,488 | | 24,823,317 | December 31, 2025 (RMB): | | 367,325 | | 193,948 | | 11,612 | | — | | 21,846,082 | | 22,418,967 |
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