Holding(s) in Company

Provident Financial PLC
18 July 2005

                                  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


CHASE NOMS LTD                                                      35,156
ESMEE FAIRBAIRN FOUNDATION                                         175,792
M&G INCOME INV CO. LTD                                             453,942
MAGIM HSBC GIS NOM (UK) SALI                                        52,901
NORTRUST NOMINEE LTD A/C MHA01                                     600,000
NORTRUST NOMINEE LTD A/C MHE01                                     477,208
NORTRUST NOMINEE LTD A/C MHF01                                      52,561
NORTRUST NOMINEE LTD A/C MKA01                                     233,000
NORTRUST NOMINEE LTD Z/C MKD01                                   1,625,000
NORTRUST NOMS LTD                                                  798,306
NORTRUST NOMS LTD A/C CRI01                                      2,000,000
NORTRUST NOMS LYD A/C MEK01                                        338,620
NORTRUST NOMS LYD A/C MVA01                                         92,038
NORTRUST NOMS LTD A/C MVB01                                        325,000
NORTRUST NOMS LTD A/C PUC01                                        321,764
NORTRUST NOMS LTD A/C PUE01                                          2,000
NORTRUST NOMS LTD A/C PUF01                                         84,287
NORTRUST NOMS LTD A/C PUI01                                         20,361
NORTRUST NOMS LTD A/C PUR01                                        957,177
PRUCLT HSBC GIS NOM (UK) PAC AC                                 14,403,777
PRUCLT HSBC GIS NOM (UK) PHL AC                                    730,891
PRUCLT HSBC GIS NOM (UK) PPL AC                                  1,065,009
PRUCLT HSBC GIS NOM (UK) EQBF AC                                    25,869
PRUCLT HSBC GIS NOM (UK) HYBF AC                                   256,049
PRUCLT HSBC GIS NOM (UK) MNBF AC                                    44,635
PRUCLT HSBC GIS NOM (UK) PENE AC                                   163,301
RECOVERY INV COMPANY LIMITED                                       387,377



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)


-



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 10 4/11p



10. Date of transaction


15 July 2005



11. Date company informed


18 July 2005



12. Total holding following this notification


25,722,021



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)


10.070%



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


18 July 2005



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                                        52,901
PRUCLT HSBC GIS NOM (UK) PAC AC                                 14,403,777
PRUCLT HSBC GIS NOM (UK) PPL AC                                  1,065,009



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)


-



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 10 4/11p



10. Date of transaction


15 July 2005



11. Date company informed


18 July 2005



12. Total holding following this notification


15,521,687



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)


6.076%



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


18 July 2005



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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