Holding(s) in Company

Provident Financial PLC
22 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


Barclays 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


Bank of Ireland                                                        1,053,398
Bank of New York                                                          17,987
Barclays Trust Co as Exec/Adm                                                109
Barclays Capital Nominees Limited                                      1,014,368
Barclays Capital Nominees Limited                                      1,401,118
Barclays Global Investors                                              1,564,682
Barclays Global Investors Canada                                          19,757
Barclays Trust Co & Others                                                 3,654
Barclays Trust Co DMC69                                                      374
Barclays Trust Co R69                                                     10,270
Durlacher Nominees Ltd                                                   726,200
Gerrard Nominees Limited a/c 620404                                          395
Greig Middleton Nominees Limited (GM1)                                    89,656
Investors Bank and Trust Co.                                           1,206,930
JP Morgan (BGI Custody)                                                2,216,415
JP Morgan (BGI Custody)                                                  338,571
J P Morgan Chase                                                         291,146
J P Morgan Chase                                                          16,413
J P Morgan Chase Bank                                                     27,621
Mellon Trust - US Custodian / Trustee                                      9,143
Mitsui Asset Trust and Banking Company Limited                             4,633
Mizuho Trust & Banking Co. Ltd                                             1,972
R C Greig Nominees Limited                                               188,513
R C Greig Nominees Limited GP1                                            17,005
R C Greig Nominees Limited SA1                                            12,416
R C Greig Nominees Limited a/c AK1                                       119,302
R C Greig Nominees Limited a/c BL1                                        17,645
R C Greig Nominees Limited a/c CM1                                        20,510
State Street Boston                                                      118,289



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


18 January 2007





11. Date company informed


22 January 2007



12. Total holding following this notification


10,508,492



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)


4.10%



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


22 January 2007



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