Director Shareholding

Provident Financial PLC
24 May 2001

                                 SCHEDULE 11

         NOTIFICATION OF INTERESTS OF DIRECTORS AND CONNECTED PERSONS

1) Name of company

Provident Financial plc



2) Name of director

Christopher Charles Johnstone



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 or in respect of a
non-beneficial interest

Notification in respect of director named in 2 above and his spouse, Geraldine
Johnstone



4) Name of the registered holder(s) and, if more than one holder, the
number of shares held by each of them (if notified)

Redmayne Nominees PEP Limited



5) Please state whether notification relates to a person(s) connected
with the Director named in 2 above and identify the connected person(s)
Notification in respect of director named in 2 above and his spouse, Geraldine
Johnstone


6) Please state the nature of the transaction. For PEP transactions
please indicate whether general/single co PEP and if discretionary/non
discretionary

Charles Christopher Johnstone acquired 90 shares and his spouse, Geraldine
Johnstone, acquired 80 shares as a result of Redmayne Nominee PEP Limited
purchasing shares for discretionary general company PEPs



7) Number of shares/amount of
stock acquired
170


8) Percentage of issued class
0.00007%


9) Number of shares/amount
of stock disposed
-


10) Percentage of issued class

-

11) Class of security
Ordinary shares of 10 4/11p


12) Price per share
802p


13) Date of transaction
22 May 2001


14) Date company informed
23 May 2001


15) Total holding following this notification
88,988


16) Total percentage holding of issued class following this notification
0.03574%


If a director has been granted options by the company please complete the
following boxes

17) Date of grant
-


18) Period during which or date on which exercisable
-


19) Total amount paid (if any) for grant of the option
-


20) Description of shares or debentures involved: class, number
-


21) Exercise price (if fixed at time of grant) or indication that price
is to be fixed at time of exercise
-


22) Total number of shares or debentures over which options held
following this notification
-


23) Any additional information
-


24) Name of contact and telephone number for queries
Mrs Caroline Farbridge

Assistant Company Secretary

Tel: [phone] ext. 2569


25) Name and signature of authorised company official responsible for
making this notification
Mrs Caroline Farbridge

Assistant Company Secretary


Date of Notification 24 May 2001


                                 SCHEDULE 11

         NOTIFICATION OF INTERESTS OF DIRECTORS AND CONNECTED PERSONS

1) Name of company

Provident Financial plc



2) Name of director

David Richard Swann



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 or in respect of a
non-beneficial interest

Notification in respect of director 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 (if notified)

Redmayne (Nominees) Limited



5) Please state whether notification relates to a person(s) connected
with the Director named in 2 above and identify the connected person(s)
Notification in respect of director named in 2 above


6) Please state the nature of the transaction. For PEP transactions
please indicate whether general/single co PEP and if discretionary/non
discretionary

David Richard Swann acquired 51 shares as a result of Redmayne (Nominee)
Limited purchasing shares for a discretionary ISA



7) Number of shares/amount of
stock acquired
51


8) Percentage of issued class
0.00002%


9) Number of shares/amount
of stock disposed
-


10) Percentage of issued class

-

11) Class of security
Ordinary shares of 10 4/11p


12) Price per share
805p


13) Date of transaction
22 May 2001


14) Date company informed
23 May 2001


15) Total holding following this notification
47,012


16) Total percentage holding of issued class following this notification
0.01888%


If a director has been granted options by the company please complete the
following boxes

17) Date of grant
-


18) Period during which or date on which exercisable
-


19) Total amount paid (if any) for grant of the option
-


20) Description of shares or debentures involved: class, number
-


21) Exercise price (if fixed at time of grant) or indication that price
is to be fixed at time of exercise
-


22) Total number of shares or debentures over which options held
following this notification
-


23) Any additional information
-


24) Name of contact and telephone number for queries
Mrs Caroline Farbridge

Assistant Company Secretary

Tel: [phone] ext. 2569


25) Name and signature of authorised company official responsible for
making this notification
Mrs Caroline Farbridge

Assistant Company Secretary


Date of Notification 24 May 2001