Credit Card Statistics – 2nd Quarter 2012

The Monetary Authority of Macao released today the credit card statistics for the second quarter of 2012. The total number of personal credit cards in circulation was 598,494 at the end of June 2012, equivalent to an increase of 4.0% over a quarter ago. The numbers of Pataca (MOP) cards, Hong Kong Dollar (HKD) cards and Renminbi (RMB) cards were 439,824, 68,303 and 90,367 respectively. MOP cards, HKD cards and RMB cards witnessed respective growth of 3.5%, 1.4% and 8.4% quarter-to-quarter. Compared with a year ago, RMB cards soared 81.7% while MOP cards and HKD cards grew 17.8% and 7.3% respectively. As at end-June 2012, credit card credit limit granted by banks in Macao reached MOP9.9 billion, up 5.0% from end-March 2012. Credit card receivables amounted to MOP1.5 billion while the rollover amount totalled MOP483.8 million, accounting for 33.1% of credit card receivables. The delinquency ratio, i.e. the ratio of delinquent amount overdue for more than three months to credit card receivables, dropped to 0.72%. For the second quarter of 2012, the credit card turnover increased slightly by 0.9% quarter-to-quarter to MOP2.8 billion. The cash advance turnover was MOP151.2 million, accounting for 5.5% of total credit card turnover. Credit card repayments, in which payments for interest and fees are included, went down 8.9% from the previous quarter to MOP2.7 billion.

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