Holding(s) in Company

Provident Financial PLC
17 January 2003

                                  SCHEDULE 10

                   NOTIFICATION OF MAJOR INTERESTS IN SHARES



1. Name of company


Provident Financial plc



2. Name of shareholder having a major interest


Prudential plc



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


Notification in respect of shareholder 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


M&G (LOMBARD ST) NOMS FPE                                        6,153
MAGIM HSBC GIS Nom(UK) SALI                                      17,558
MGIM A/C JPM A/C RU                                              1,813,846
PRUCLT HSBC GIS NOM(UK) PAC AC                                   11,860,383
PRUCLT HSBC GIS NOM(UK) PHL AC                                   276,980
PRUCLT HSBC GIS NOM(UK) PPL AC                                   1,449,059
PRUCLT HSBC GIS NOM(UK) SAL AC                                   1,765
PRUDENTIAL EURO INDEX TRACKER                                    2,000
ROY NOMINEES 578079                                              18,093
ROY NOMS LTD 578052                                              10,472
ROY NOMS LTD 578060                                              170,000
ROY NOMS LTD 578141                                              20,347
ROY NOMS LTD 578192                                              43,368





5. Number of shares / amount of stock acquired


504,405



6. Percentage of issued class


0.198%



7. Number of shares / amount of stock disposed


-



8. Percentage of issued class


-



9. Class of security


Ordinary shares pf 10 4/11p



10. Date of transaction


15 January 2003



11. Date company informed


16 January 2003



12. Total holding following this notification


15,690,024



13. Total percentage holding of issued class following this notification


6.17%



14. Any additional information


-



15. Name of contact and telephone number for queries


Caroline L Farbridge

01274 731111 ext. 2569



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


Caroline L Farbridge

Assistant Company Secretary



Date of notification


17 January 2003














                                  SCHEDULE 10

                   NOTIFICATION OF MAJOR INTERESTS IN SHARES



1. Name of company


Provident Financial plc



2. Name of shareholder having a major interest


The Prudential Assurance Company Limited



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


Notification in respect of the holding of the shareholder 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


MAGIM HSBC GIS NOM(UK) SALI                                        17,558
PRUCLT HSBC GIS NOM(UK) PAC AC                                     11,860,383
PRUCLT HSBC GIS NOM (UK) PPL AC                                    1,449,059
PRUCLT HSBC GIS NOM (UK) SAL AC                                    1,765



5. Number of shares / amount of stock acquired


335,972



6. Percentage of issued class


0.132%



7. Number of shares / amount of stock disposed


-



8. Percentage of issued class


-



9. Class of security


Ordinary 10 4/11 p



10. Date of transaction


15 January 2003



11. Date company informed


16 January 2003



12. Total holding following this notification


13,328,765



13. Total percentage holding of issued class following this notification


5.24%



14. Any additional information


-



15. Name of contact and telephone number for queries


Caroline L Farbridge

01274 731111 ext. 2569



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


Caroline L Farbridge

Assistant Company Secretary



Date of notification


17 January 2003








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