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Expense by Nature (Tables)

12 Months Ended

Dec. 31, 2021

Text block [abstract]

Summary of Expenses by Nature


		Year ended December 31,
		2019				2020				2021
		RMB’000				RMB’000				RMB’000
Employee benefit expenses (Note 11.1)			12,352,323				14,145,207				16,402,993
Loan origination and servicing expenses			6,530,999				7,091,078				5,712,598
Promotion and advertising expenses			1,149,759				1,221,762				1,685,847
Outsourcing service expenses			997,145				1,382,960				1,397,649
Payment processing expenses			849,763				1,204,712				1,197,869
Trust management fee			156,266				504,428				1,078,380
Business entertainment expenses			802,577				769,834				619,328
Depreciation of right-of-use assets (Note 25)			509,026				604,018				608,889
Taxes and surcharges			286,546				380,460				534,647
Depreciation of property and equipment (Note 23)			276,266				226,862				193,511
Amortization of intangible assets (Note 24)			31,967				31,831				22,234
Others			1,265,236				1,049,327				740,039

Total sales and marketing expenses, general and administrative expenses, operation and servicing expenses, technology and analytics expenses			25,207,873				28,612,479				30,193,984

Summary of Sales and Marketing Expenses


		Year ended December 31,
		2019				2020				2021
		RMB’000				RMB’000				RMB’000
Sales and marketing expense
Borrower acquisition expenses			8,714,516				11,506,402				10,119,525
General sales and marketing expenses			5,327,741				5,487,267				7,196,563
Investor acquisition and retention expenses			888,839				819,888				676,984

			14,931,096				17,813,557				17,993,072

Summary of Employee Benefit Expenses


		Year ended December 31,
		2019				2020				2021
		RMB’000				RMB’000				RMB’000
Wages, salaries and bonuses			8,689,993				10,764,239				11,681,753
Other social security costs, housing benefits and other employee benefits			2,473,673				2,787,803				3,157,771
Pension costs – defined contribution plans			1,244,100				427,917				1,430,074
Share-based payment (Note 42)			(55,443	)			165,248				133,395

			12,352,323				14,145,207				16,402,993