Holding(s) in Company

Provident Financial PLC
11 January 2007

                                  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/M&G Group Limited/M&G Limited/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 shareholders 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


Prudential plc




ESMEE FAIRBAIRN FOUNDATION                                                                        239,677
J P MORGAN NOMINEES                                                                                48,324
M&G INCOME INV CO LTD                                                                             478,942
NORTRUST NOMINEE LTD A/C MHA01                                                                    600,000
NORTRUST NOMINEE LTD A/C MHF01                                                                     52,998
NORTRUST NOMINEE LTD A/C MKD01                                                                  1,625,000
NORTRUST NOMS LTD                                                                                 632,475
NORTRUST NOMS LTD A/C CRI01                                                                     2,000,000
NORTRUST NOMS LTD A/C MVA01                                                                        92,038
NORTRUST NOMS LTD A/C MVB01                                                                       325,000
NORTRUST NOMS LTD A/C PUC01                                                                       356,764
NORTRUST NOMS LTD A/C PUI01                                                                        18,626
PRUCLT HSBC GIS NOM (UK) PAC AC                                                                16,605,088
PRUCLT HSBC GIS NOM (UK) PHL AC                                                                   880,891
PRUCLT HSBC GIS NOM (UK) PPL AC                                                                 1,040,645
PRUCLT HSBC GIS NOM (UK) HYBF AC                                                                  268,049
RECOVERY INV COMPANY LIMITED                                                                      407,377
Total                                                                                          25,671,894
Percentage of issued share capital                                                                 10.02%





M&G Group Limited




ESMEE FAIRBAIRN FOUNDATION                                                                        239,677
M&G INCOME INV CO LTD                                                                             478,942
NORTRUST NOMINEE LTD A/C MHA01                                                                    600,000
NORTRUST NOMINEE LTD A/C MHF01                                                                     52,998
NORTRUST NOMINEE LTD A/C MKD01                                                                  1,625,000
NORTRUST NOMS LTD                                                                                 632,475
NORTRUST NOMS LTD A/C CRI01                                                                     2,000,000
NORTRUST NOMS LTD A/C MVA01                                                                        92,038
NORTRUST NOMS LTD A/C MVB01                                                                       325,000
NORTRUST NOMS LTD A/C PUC01                                                                       356,764
NORTRUST NOMS LTD A/C PUI01                                                                        18,626
PRUCLT HSBC GIS NOM (UK) PAC AC                                                                16,605,088
PRUCLT HSBC GIS NOM (UK) PHL AC                                                                   880,891
PRUCLT HSBC GIS NOM (UK) PPL AC                                                                 1,040,645
PRUCLT HSBC GIS NOM (UK) HYBF AC                                                                  268,049
RECOVERY INV COMPANY LIMITED                                                                      407,377
Total                                                                                          25,623,570
Percentage of issued share capital                                                                 10.00%



M&G Limited


ESMEE FAIRBAIRN FOUNDATION                                                                        239,677
M&G INCOME INV CO LTD                                                                             478,942
NORTRUST NOMINEE LTD A/C MHA01                                                                    600,000
NORTRUST NOMINEE LTD A/C MHF01                                                                     52,998
NORTRUST NOMINEE LTD A/C MKD01                                                                  1,625,000
NORTRUST NOMS LTD                                                                                 632,475
NORTRUST NOMS LTD A/C CRI01                                                                     2,000,000
NORTRUST NOMS LTD A/C MVA01                                                                        92,038
NORTRUST NOMS LTD A/C MVB01                                                                       325,000
NORTRUST NOMS LTD A/C PUC01                                                                       356,764
NORTRUST NOMS LTD A/C PUI01                                                                        18,626
PRUCLT HSBC GIS NOM (UK) PAC AC                                                                16,605,088
PRUCLT HSBC GIS NOM (UK) PHL AC                                                                   880,891
PRUCLT HSBC GIS NOM (UK) PPL AC                                                                 1,040,645
PRUCLT HSBC GIS NOM (UK) HYBF AC                                                                  268,049
RECOVERY INV COMPANY LIMITED                                                                      407,377
Total                                                                                          25,623,570
Percentage of issued share capital                                                                 10.00%





The Prudential Assurance Company Limited:


PRUCLT HSBC GIS NOM (UK) PAC AC                                                                16,605,088
PRUCLT HSBC GIS NOM (UK) PPL AC                                                                 1,040,645
Total                                                                                          17,645,733
Percentage of issued share capital                                                                  6.89%





5. Number of shares / amount of stock acquired


Not disclosed



6. Percentage of issued class (any treasury shares held by company should not be
taken into account when calculating percentage)


Not disclosed



7. Number of shares / amount of stock disposed


-



8. Percentage of issued class (any treasury shares held by company should not be
taken into account when calculating percentage)


-



9. Class of security


Ordinary shares  of 10 4/11p



10. Date of transaction


8 January 2007



11. Date company informed


10 January 2007



12. Total holding following this notification



Prudential plc holds 25,671,894 shares

M&G Group Limited holds 25,623,570 shares

M&G Group Limited holds 25,623,570 shares

The Prudential Assurance Company Limited holds 17,645,733 shares



13. Total percentage holding of issued class following this notification (any
treasury shares held by company should not be taken into account when
calculating percentage)


Prudential plc 10.02%

M&G Group Limited 10.00%

M&G Limited 10.00%

The Prudential Assurance Company Limited 6.89%



14. Any additional information





15. Name of contact and telephone number for queries


Emma G Versluys

Tel:  [phone] ext. 2569



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


Emma G Versluys

Assistant Company Secretary



Date of notification


11 January 2007



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for loss of business or loss of profits) arising in contract, tort or otherwise
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