Credit Card Lending Survey Results for Fourth Quarter 2025: Total card receivables increased by 8.7% in Q4 2025 to HK$164.2 billion. Delinquent and rescheduled ratio was 0.40%, a decrease from 0.45%. Charge-off ratio was 0.62%, down from 0.64% in the previous quarter.
This article was generated using SAMS, an AI technology by Timothy Loh LLP.
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On Mon, 16 Feb 2026, the Hong Kong Monetary Authority published the credit card lending survey results for the fourth quarter of 2025.
The total card receivables grew by 8.7% to HK$164.2 billion by the end of December 2025, primarily driven by festive spending and salaries tax payments.
The combined delinquent and rescheduled ratio decreased to 0.40% at end-December 2025, compared to 0.45% at the previous quarter-end.
The charge-off ratio for the fourth quarter of 2025 dropped to 0.62%, down from 0.64% in the previous quarter.
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