Holding(s) in Company

Provident Financial PLC
23 January 2004

                                  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 Street) Noms FPE                       16,223

MAGIM HSBC GIS Nom SALI                             50,518

MGIM a/c JPM A/C RU                                871,314

PRUCLT HSBC GIS NOM (UK) PAC AC                 12,003,777

PRUCLT HSBC GIS NOM (UK) PHL AC                    299,245

PRUCLT HSBC GIS NOM (UK) PPL AC                  1,091,280

PRUCLT HSBC GIS NOM (UK) SAL AC                      5,206

ROY NOMINEES 578079                                 49,942

ROY NOMS LTD 578052                                 27,794

ROY NOMS LTD 578060                                170,000

ROY NOMS LTD 578141                                 56,270

ROY NOMS LTD 578192                                107,906



5. Number of shares / amount of stock acquired


-



6. Percentage of issued class


-



7. Number of shares / amount of stock disposed


940,549



8. Percentage of issued class


0.37%



9. Class of security


Ordinary shares 10 4/11p



10. Date of transaction


20 January 2004



11. Date company informed


22 January 2004



12. Total holding following this notification


14,749,475



13. Total percentage holding of issued class following this notification


5.80%



14. Any additional information


-



15. Name of contact and telephone number for queries


Caroline L Farbridge

Tel:  [phone] ext. 2569



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


Caroline L Farbridge

Assistant Company Secretary



Date of notification


23 January 2004



The FSA does not give any express or implied warranty as to the accuracy of this
document or material and does not accept any liability for error or omission.
The FSA is not liable for any damages (including, without limitation, damages
for loss of business or loss of profits) arising in contract, tort or otherwise
from the use of or inability to use this document, or any material contained in
it, or from any action or decision taken as a result of using this document or
any such material.



                                  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 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                                  50,518

PRUCLT HSBC GIS NOM (UK) PAC AC                            12,003,777

PRUCLT HSBC GIS NOM (UK) PPL AC                             1,091,280

PRUCLT HSBC GIS NOM (UK) SAL AC                                 5,206



5. Number of shares / amount of stock acquired


-



6. Percentage of issued class


-



7. Number of shares / amount of stock disposed


177,984



8. Percentage of issued class


0.70%



9. Class of security


Ordinary shares 10 4/11p



10. Date of transaction


20 January 2004



11. Date company informed


22 January 2004



12. Total holding following this notification


13,150,781



13. Total percentage holding of issued class following this notification


5.17%



14. Any additional information


-



15. Name of contact and telephone number for queries


Caroline L Farbridge

Tel:  [phone] ext. 2569



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


Caroline L Farbridge

Assistant Company Secretary



Date of notification


23 January 2004



The FSA does not give any express or implied warranty as to the accuracy of this
document or material and does not accept any liability for error or omission.
The FSA is not liable for any damages (including, without limitation, damages
for loss of business or loss of profits) arising in contract, tort or otherwise
from the use of or inability to use this document, or any material contained in
it, or from any action or decision taken as a result of using this document or
any such material.




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