Holding(s) in Company

Provident Financial PLC
23 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

FMR Corporation and its direct and indirect subsidiaries and Fidelity 
International Limited and its direct and indirect subsidiaries



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

Non-beneficial interest of shareholders referred to 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


Mellon Bank                                                       16,521
State Street Nominees Limited                                     30,600
Lloyds Bank Nominees Limited                                     175,800
Brown Brothers Harriman                                            7,400
Northern Trust                                                    39,700
State Street Bank & Trust                                         25,600
Bank of New York-Europe                                            7,900
National Cities                                                   41,200
Chase Nominees Limited                                         7,635,541
Chase Manhattan Bank London                                      791,900
Bankers Trust                                                    162,508
Citibank                                                         152,800
BT Globenet Nominees Limited                                      48,900
MSS Nominees Limited                                              49,750
Chase Nominees Limited                                            63,400
Nortrust Nominees Limited                                         82,380
RBS Trust Bank                                                   313,547
Bank of New York London                                          267,695
HSBC Client Holdings Nominee (UK) Limited                         59,449
Credit Suisse FST  BOS Zurich                                      5,100
MSS Nominees Limited                                           3,602,567
Chase Nominees Limited                                           458,041
Nortrust Nominees Limited                                        344,740
Bankers Trust                                                    157,000
RBS Trust Bank                                                   609,280
Morgan Stanley                                                   198,690
State Street Bank & Trust                                        578,214
Bank of New York London                                        1,032,892
Northern Trust                                                 1,036.863
Citibank                                                          67,170
Chase Manhattan Bank London                                      234,535
HSBC Client Holdings Nominee (UK) Limited                        143,100
JP Morgan                                                        246,877
Deutsche Bank                                                     30,700
Mellon Nominees Limited                                           39,500
Brown Brothers Harriman Limited LUX                               12,000
National Australia Bank                                            5,100
Bank of New York Brussels                                        133,000
PICG                                                               2,800
Chase Manhattan Bank AG Frankfurt                                 14,100
JP Morgan                                                         39,034
State Street Nominees Limited                                      5,000




5. Number of shares / amount of stock acquired


-



6. Percentage of issued class


-



7. Number of shares / amount of stock disposed


3,140,548



8. Percentage of issued class


1.23%



9. Class of security


Ordinary shares of 10 4/11 p



10. Date of transaction


Not disclosed



11. Date company informed


22 January 2003



12. Total holding following this notification


18,968,894



13. Total percentage holding of issued class following this notification


7.46%



14. Any additional information


-



15. Name of contact and telephone number for queries


Rosamond J Marshall Smith

01274 731111 ext. 2356



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


Rosamond J Marshall Smith

Company Secretary



Date of notification


23 January 2003




                      This information is provided by RNS
            The company news service from the London Stock Exchange