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Interest expense
12 Months Ended
Dec. 31, 2021
Interest income and interest expense  
Interest expense
20. Interest expense
Interest expense consists of the following
:
 
    
For the year ended
December 31,
 
    
2019
    
2020
    
2021
 
                      
    
(RMB in millions)
 
Interest expense in relation to nonrecourse securitization debt
     (38      —          —    
Interest expense in relation to unsecured senior notes, bank borrowings and others
     (687      (1,125      (1,213
    
 
 
    
 
 
    
 
 
 
Total
     (725      (1,125      (1,213