Grant of options

Provident Financial PLC
3 August 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
-


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


5) Please state whether notification relates to a person(s) connected
with the Director named in 2 above and identify the connected person(s)
-


6) Please state the nature of the transaction. For PEP transactions
please indicate whether general/single co PEP and if discretionary/non
discretionary
-


7) Number of shares/amount of
stock acquired
-


8) Percentage of issued class
-


9) Number of shares/amount
of stock disposed
-


10) Percentage of issued class
-


11) Class of security
-


12) Price per share
-


13) Date of transaction
-


14) Date company informed
-


15) Total holding following this notification
-


16) Total percentage holding of issued class following this notification
-


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

17) Date of grant
2 August 2001


18) Period during which or date on which exercisable
2 August 2004 to 1 August 2011


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



20) Description of shares or debentures involved: class, number
28,939 10 4/11 ordinary shares


21) Exercise price (if fixed at time of grant) or indication that price
is to be fixed at time of exercise
622p per share


22) Total number of shares or debentures over which options held
following this notification
182,645


23) Any additional information
-


24) Name of contact and telephone number for queries
Rosamond Marshall Smith

Tel: [phone] extension 2356


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

Rosamond Marshall Smith

Date of Notification: 3 August 2001

                                 SCHEDULE 11

         NOTIFICATION OF INTERESTS OF DIRECTORS AND CONNECTED PERSONS



1) Name of company
Provident Financial plc


2) Name of director
John Arthur Harnett


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
-


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


5) Please state whether notification relates to a person(s) connected
with the Director named in 2 above and identify the connected person(s)
-


6) Please state the nature of the transaction. For PEP transactions
please indicate whether general/single co PEP and if discretionary/non
discretionary
-


7) Number of shares/amount of
stock acquired
-


8) Percentage of issued class
-


9) Number of shares/amount
of stock disposed
-


10) Percentage of issued class
-


11) Class of security
-


12) Price per share
-


13) Date of transaction
-


14) Date company informed
-


15) Total holding following this notification
-


16) Total percentage holding of issued class following this notification
-


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

17) Date of grant
2 August 2001


18) Period during which or date on which exercisable
2 August 2004 to 1 August 2011


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



20) Description of shares or debentures involved: class, number
16,077 10 4/11 ordinary shares


21) Exercise price (if fixed at time of grant) or indication that price
is to be fixed at time of exercise
622p per share


22) Total number of shares or debentures over which options held
following this notification
136,846


23) Any additional information
-


24) Name of contact and telephone number for queries
Rosamond Marshall Smith

Tel: [phone] extension 2356


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

Rosamond Marshall Smith

Date of Notification: 3 August 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
-


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


5) Please state whether notification relates to a person(s) connected
with the Director named in 2 above and identify the connected person(s)
-


6) Please state the nature of the transaction. For PEP transactions
please indicate whether general/single co PEP and if discretionary/non
discretionary
-


7) Number of shares/amount of
stock acquired
-


8) Percentage of issued class
-


9) Number of shares/amount
of stock disposed
-


10) Percentage of issued class
-


11) Class of security
-


12) Price per share
-


13) Date of transaction
-


14) Date company informed
-


15) Total holding following this notification
-


16) Total percentage holding of issued class following this notification
-


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

17) Date of grant
2 August 2001


18) Period during which or date on which exercisable
2 August 2004 to 1 August 2011


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


20) Description of shares or debentures involved: class, number
33,119 10 4/11 ordinary shares


21) Exercise price (if fixed at time of grant) or indication that price
is to be fixed at time of exercise
622p per share


22) Total number of shares or debentures over which options held
following this notification
143,338


23) Any additional information
-


24) Name of contact and telephone number for queries
Rosamond Marshall Smith

Tel: [phone] extension 2356


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

Rosamond Marshall Smith

Date of Notification: 3 August 2001





                                 SCHEDULE 11

         NOTIFICATION OF INTERESTS OF DIRECTORS AND CONNECTED PERSONS



1) Name of company
Provident Financial plc


2) Name of director
David Richard Swann


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
-


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


5) Please state whether notification relates to a person(s) connected
with the Director named in 2 above and identify the connected person(s)
-


6) Please state the nature of the transaction. For PEP transactions
please indicate whether general/single co PEP and if discretionary/non
discretionary
-



7) Number of shares/amount of
stock acquired
-


8) Percentage of issued class
-


9) Number of shares/amount
of stock disposed
-


10) Percentage of issued class



11) Class of security
-


12) Price per share
-


13) Date of transaction
-


14) Date company informed
-


15) Total holding following this notification
-


16) Total percentage holding of issued class following this notification
-


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

17) Date of grant
2 August 2001


18) Period during which or date on which exercisable
2 August 2004 to 1 August 2011


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


20) Description of shares or debentures involved: class, number
41,800 10 4/11 ordinary shares


21) Exercise price (if fixed at time of grant) or indication that price
is to be fixed at time of exercise
622p per share


22) Total number of shares or debentures over which options held
following this notification
147,346


23) Any additional information
-


24) Name of contact and telephone number for queries
Rosamond Marshall Smith

Tel: [phone] extension 2356


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

Rosamond Marshall Smith


Date of Notification: 3 August 2001