Holding(s) in Company

Provident Financial PLC
24 January 2006

                                  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/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/The Prudential Assurance Company Limited

Prudential plc:


J P MORGAN NOMINEES                                                 39,724
MAGIM HSBC GIS NOM (UK) SALI                                        25,997
PRUCLT HSBC GIS NOM (UK) PAC AC                                 15,603,777
PRUCLT HSBC GIS NOM (UK) PHL AC                                    830,891
PRUCLT HSBC GIS NOM (UK) PPL AC                                    823,342
PRUCLT HSBC GIS NOM (UK) EQBF AC                                    12,254
PRUCLT HSBC GIS NOM (UK) HYBF AC                                   268,049
PRUCLT HSBC GIS NOM (UK) MNBF AC                                    20,661
PRUCLT HSBC GIS NOM (UK) PENE AC                                    76,653

Total                                                           17,701,348
Percentage of issued share capital                                    6.92


The Prudential Assurance Company Limited:

MAGIM HSBC GIS NOM (UK) SALI                                        25,997
PRUCLT HSBC GIS NOM (UK) PAC AC                                 15,603,777
PRUCLT HSBC GIS NOM (UK) PPL AC                                    823,342

Total                                                           16,453,116
Percentage of issued share capital                                    6.44



5. Number of shares / amount of stock acquired

-


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

-


7. Number of shares / amount of stock disposed

Not disclosed


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

Not disclosed


9. Class of security

Ordinary shares 10 4/11p


10. Date of transaction

19 January 2006


11. Date company informed

23 January 2006


12. Total holding following this notification

Prudential plc holds 17,701,348 shares
The Prudential Assurance Company Limited holds 16,453,116 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 6.92%
The Prudential Assurance Company Limited 6.44%


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

24 January 2006

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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