Director Shareholding

Provident Financial PLC
03 November 2003

                                  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



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) Limited

Redmayne Nominees PEP Limited



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



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 56 shares as a result of Redmayne (Nominees) Limited 
purchasing shares for a non-discretionary company ISA and 124 shares as a result 
of Redmayne Nominees PEP Limited purchasing shares for a non-discretionary 
general PEP



7. Number of shares / amount of stock acquired


180



8. Percentage of issued class


0.00007%



9. Number of shares/amount of stock disposed


-



10. Percentage of issued class


-



11. Class of security


Ordinary shares of 10 4/11p



12. Price per share


645.44p



13. Date of transaction


30 October 2003



14. Date company informed


31 October 2003



15. Total holding following this notification


37,672



16. Total percentage holding of issued class following this notification


0.0148%



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


Ms Caroline L Farbridge

Tel:  [phone] ext. 2569



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


Ms Caroline Farbridge

Assistant Company Secretary



Date of Notification


3 November 2003




                                  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 Christopher Charles Johnstone 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



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 Christopher Charles Johnstone 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 74 shares as a result of Redmayne
Nominees PEP Limited purchasing shares for a non-discretionary general PEP and
Geraldine Johnstone acquired 70 shares for a non-discretionary general PEP



7. Number of shares / amount of stock acquired


144



8. Percentage of issued class


0.00006%



9. Number of shares/amount of stock disposed


-



10. Percentage of issued class


-



11. Class of security


Ordinary shares of 10 4/11p



12. Price per share


645.94p



13. Date of transaction


30 October 2003



14. Date company informed


31 October 2003



15. Total holding following this notification


107,787



16. Total percentage holding of issued class following this notification


0.0424%



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


Ms Caroline L Farbridge

Tel:  [phone] ext. 2569



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


Ms Caroline Farbridge

Assistant Company Secretary



Date of Notification


3 November 2003



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