Director Shareholding

Provident Financial PLC
2 November 2001

                                 SCHEDULE 11

         NOTIFICATION OF INTERESTS OF DIRECTORS AND CONNECTED PERSONS

1) Name of company
Provident Financial plc


2) Name of director
Robin James Ashton


3) Please state whether notification indicates that it is in respect of
holding of the shareholder named in 2 above or in respect of a non-beneficial
interest or in the case of an individual holder if it is a holding of that
person's spouse or children under the age of 18 or in respect of a
non-beneficial interest
Notification in respect of director named in 2 above and his spouse, Elizabeth
Ashton


4) Name of the registered holder(s) and, if more than one holder, the
number of shares held by each of them (if notified)
Redmayne Nominees PEP Limited - 198 shares


5) Please state whether notification relates to a person(s) connected
with the Director named in 2 above and identify the connected person(s)
Notification in respect of director names in 2 above and his spouse, Elizabeth
Ashton


6) Please state the nature of the transaction. For PEP transactions
please indicate whether general/single co PEP and if discretionary/non
discretionary
Robin James Ashton acquired 104 shares and his spouse, Elizabeth Ashton,
acquired 94 shares as a result of Redmayne Nominees PEP Limited purchasing
shares for discretionary general company PEPs


7) Number of shares/amount of
stock acquired
198 shares


8) Percentage of issued class
0.00008%


9) Number of shares/amount
of stock disposed
-


10) Percentage of issued class
-


11) Class of security
Ordinary shares of 10 4/11 p


12) Price per share
624.4 p


13) Date of transaction
1 November 2001


14) Date company informed
2 November 2001


15) Total holding following this notification
58,500


16) Total percentage holding of issued class following this notification
0.02384%


If a director has been granted options by the company please complete the
following boxes

17) Date of grant
-


18) Period during which or date on which exercisable
-


19) Total amount paid (if any) for grant of the option
-


20) Description of shares or debentures involved: class, number



21) Exercise price (if fixed at time of grant) or indication that price
is to be fixed at time of exercise



22) Total number of shares or debentures over which options held
following this notification
-


23) Any additional information
-


24) Name of contact and telephone number for queries
Caroline Farbridge

Tel: [phone] ext. 2569

25) Name and signature of authorised company official responsible for
making this notification

Caroline Farbridge

Assistant Company Secretary


Date of Notification: 2 November 2001











                                 SCHEDULE 11

         NOTIFICATION OF INTERESTS OF DIRECTORS AND CONNECTED PERSONS

1) Name of company
Provident Financial plc


2) Name of director
Christopher Charles Johnstone


3) Please state whether notification indicates that it is in respect of
holding of the shareholder named in 2 above or in respect of a non-beneficial
interest or in the case of an individual holder if it is a holding of that
person's spouse or children under the age of 18 or in respect of a
non-beneficial interest
Notification in respect of director named in 2 above and his spouse, Geraldine
Johnstone


4) Name of the registered holder(s) and, if more than one holder, the
number of shares held by each of them (if notified)
Redmayne Nominees PEP Limited - 123 shares


5) Please state whether notification relates to a person(s) connected
with the Director named in 2 above and identify the connected person(s)
Notification in respect of director named in 2 above and his spouse, Geraldine
Johnstone


6) Please state the nature of the transaction. For PEP transactions
please indicate whether general/single co PEP and if discretionary/non
discretionary
Christopher Charles Johnstone acquired 57 shares and his spouse, Geraldine
Johnstone, acquired 66 shares as a result of Redmayne Nominee PEP Limited
purchasing shares for discretionary general company PEPs


7) Number of shares/amount of
stock acquired
123 shares


8) Percentage of issued class
0.00005%


9) Number of shares/amount
of stock disposed
-


10) Percentage of issued class
-


11) Class of security
Ordinary shares of 10 4/11 p


12) Price per share
623.9 p


13) Date of transaction
1 November 2001


14) Date company informed
2 November 2001


15) Total holding following this notification
90,784


16) Total percentage holding of issued class following this notification
0.03700%


If a director has been granted options by the company please complete the
following boxes

17) Date of grant
-


18) Period during which or date on which exercisable
-


19) Total amount paid (if any) for grant of the option
-


20) Description of shares or debentures involved: class, number
-


21) Exercise price (if fixed at time of grant) or indication that price
is to be fixed at time of exercise
-


22) Total number of shares or debentures over which options held
following this notification
-


23) Any additional information



24) Name of contact and telephone number for queries


Caroline Farbridge

Tel: [phone] ext. 2569

25) Name and signature of authorised company official responsible for
making this notification

Caroline Farbridge

Assistant Company Secretary


Date of Notification: 2 November 2001