41. Provisions for bad and doubtful debts fell to 158 million pounds from 194 million pounds previously. 42. Provisions for bad and doubtful debts fell to 72 million pounds from 122 million pounds previously. 43. Provisions for bad and doubtful debt rose to 127 million pounds from 72 million pounds in 1995. 44. Provisions for bad and doubtful debt fell to 64 million pounds from 72 million pounds in 1995. 45. Provisions for bad and doubtful debts fell to 24 million pounds from 46 million the previous year. 46. Midland's provisions for bad and doubtful debt rose to 198 million pounds from 98 million in 1994. 47. Provisions for bad and doubtful debt fell to 574 million pounds from 639 million pounds in 1995. 48. Provisions for bad and doubtful debt rose to 118 million pounds from 107 million pounds in 1995. 49. Provisions to cover bad and doubtful debts climbed 44 percent to 497 million francs from 345 million francs. 50. The decline was due to rising cost of funds during the year and increased provision for doubtful debts .