---
title: "AEON expects Hong Kong retail to gradually stabilize, with tourism recovery helping to boost market vitality"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/281151199.md"
description: "AEON CREDIT Financial holds a cautiously optimistic attitude towards Hong Kong's retail industry, believing that the market is gradually stabilizing and the recovery of the tourism industry will drive retail vitality. The company has launched a \"6% Cashback Program\" to encourage local consumption, which is expected to boost credit card business growth. In the future, it will enhance revenue through e-commerce integration and digital transformation. During the period, net profit was HKD 468 million, an increase of 16.91% year-on-year; the final dividend was HKD 0.33 per share, an increase of 32%; revenue was HKD 1.825 billion, an increase of 3.75%"
datetime: "2026-03-31T08:32:01.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/281151199.md)
  - [en](https://longbridge.com/en/news/281151199.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/281151199.md)
---

# AEON expects Hong Kong retail to gradually stabilize, with tourism recovery helping to boost market vitality

AEON Credit Financial (900) Managing Director Wei Aiguo stated that he holds a cautiously optimistic attitude towards the retail industry in Hong Kong, which is currently stabilizing and showing signs of recovery. Deputy Managing Director Wei Liyuguang also indicated that there are signs of recovery in the tourism industry, and with the government launching a series of support policies, it is expected that the recovery in tourism will further invigorate the Hong Kong retail market, providing positive support for related business growth.

## Encouraging Cardholders to Increase Local Spending

Wei Aiguo also mentioned that the company has launched initiatives such as the "6% Cashback Program" for credit card users in Hong Kong to encourage cardholders to increase local spending and drive growth in credit card business revenue.

Regarding the Middle East, Wei Aiguo believes that the impact on business is not significant, but in the long term, he does not rule out the possibility of funds flowing into Hong Kong, driving local economic development and consumption.

As for the outlook on future revenue and net interest income, Wei Aiguo stated that the company will continue to advance its established strategies, steadily improving revenue levels through e-commerce ecosystem integration and digital transformation, creating stable returns for shareholders.

## New Scoring Model Controls Impairment Provisions

Regarding the improvement of impairment provisions, Wei Aiguo stated that the optimization of impairment provisions benefits from the comprehensive upgrade of the credit assessment system. The group has adopted a new scoring model that integrates data from external credit institutions with internal customer information, and introduces new technologies such as artificial intelligence to iteratively optimize model accuracy. He is confident in continuously controlling the level of impairment provisions and maintaining stable asset quality.

## Net Profit Up 17% Dividend Increased by 32%

During the period, AEON Credit Financial recorded a net profit of HKD 468 million, an increase of 16.91% year-on-year; the final dividend per share is HKD 0.33, an increase of 32% year-on-year; revenue is HKD 1.825 billion, an increase of 3.75% year-on-year; net interest income is HKD 1.417 billion, an increase of 5.2% year-on-year; impairment losses and provisions decreased to HKD 422 million, narrowing by 5.5% year-on-year

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