| 1. | Our level of bad and doubtful debts is rising, " he said.
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| 2. | Provisions for bad and doubtful debts were unchanged at 44 million pounds.
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| 3. | Provisions for bad and doubtful debts were halved to A $ 106 million.
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| 4. | Bad and doubtful debt expenses dropped 42 percent to A $ 4.5 million.
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| 5. | Provisions for bad and doubtful debts rose 41 percent to 293.3 million ringgit.
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| 6. | Charges for bad and doubtful debts tumbled 43.2 percent to A $ 182 million.
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| 7. | Provisions for bad and doubtful debts fell to 396 million pounds, from 602 million.
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| 8. | Net interest income after provisions and bad and doubtful debts rose by 19.7 percent.
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| 9. | The gain, though, was offset by an increased charge for bad and doubtful debts.
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| 10. | Overall, the group's charge for bad and doubtful debts was lower than in 1996.
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