In addition to selling motorcycles, Harley also finances them, via Harley-Davidson Financial Services (HDFS). In recent periods, losses for loan provisions have started to mount as the quality of its loan portfolio deteriorates. Subprime loans account for fully one-fifth of HDFS's loan originations, and the division's operating profits decreased by nearly 13% in the first quarter, due in part to its increasing by $13 million the provision for loan losses as it suffered higher retail credit losses.