v3.26.1
GUARANTEE LIABILITIES (Tables)
12 Months Ended
Dec. 31, 2025
GUARANTEE LIABILITIES.  
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.
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