Director Shareholding

Provident Financial PLC
28 August 2002

                                  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
-


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


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


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


7) Number of shares/amount of
stock acquired
-


8) Percentage of issued class
-


9) Number of shares/amount
of stock disposed
-


10) Percentage of issued class
-


11) Class of security
-


12) Price per share
-


13) Date of transaction
-


14) Date company informed
-


15) Total holding following this notification
-


16) Total percentage holding of issued class following this notification
-


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

17) Date of grant
27 August 2002


18) Period during which or date on which exercisable
Exercisable from 1 November 2007 to 30 April 2008 inclusive


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


20) Description of shares or debentures involved: class, number
1,414 ordinary shares of 10 4/11p


21) Exercise price (if fixed at time of grant) or indication that price
is to be fixed at time of exercise
468p per share


22) Total number of shares or debentures over which options held
following this notification
204,601


23) Any additional information
-


24) Name of contact and telephone number for queries
Caroline L Farbridge tel: [phone] ext. 2569


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

Caroline L Farbridge

Assistant Company Secretary

Date of Notification: 28 August 2002





                                  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
-


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


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


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


7) Number of shares/amount of
stock acquired
-


8) Percentage of issued class
-


9) Number of shares/amount
of stock disposed
-


10) Percentage of issued class
-


11) Class of security
-


12) Price per share
-


13) Date of transaction
-


14) Date company informed
-


15) Total holding following this notification
-


16) Total percentage holding of issued class following this notification
-


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

17) Date of grant
27 August 2002


18) Period during which or date on which exercisable
Exercisable from 1 November 2007 to 30 April 2008 inclusive


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


20) Description of shares or debentures involved: class, number
1,414 ordinary shares of 10 4/11p


21) Exercise price (if fixed at time of grant) or indication that price
is to be fixed at time of exercise
468p per share


22) Total number of shares or debentures over which options held
following this notification
203,433


23) Any additional information
-


24) Name of contact and telephone number for queries
Caroline Farbridge tel: [phone] ext. 2569


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

Caroline Farbridge

Assistant Company Secretary

Date of Notification: 28 August 2002




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