Director Shareholding

Provident Financial PLC
06 August 2004

                                  SCHEDULE 11

          NOTIFICATION OF INTERESTS OF DIRECTORS AND CONNECTED PERSONS



1. Name of company


Provident Financial plc



2. Name of director


Robin James Ashton



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 (any treasury shares held by company should not be
taken into account when calculating percentage)


-



9. Number of shares/amount of stock disposed


-



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


-



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 (any
treasury shares held by company should not be taken into account when
calculating percentage)


-



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



17. Date of grant


5 August 2004



18. Period during which or date on which exercisable


5 August 2007 to 4 August 2014



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


-



20. Description of shares or debentures involved: class, number


163,487  10 4/11p ordinary shares



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


550.5p



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


507,503



23. Any additional information


-



24. Name of contact and telephone number for queries


Rosamond J Marshall Smith

Tel:  [phone] ext. 2356



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


Rosamond J Marshall Smith

Company Secretary



Date of Notification


6 August 2004



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 11

          NOTIFICATION OF INTERESTS OF DIRECTORS AND CONNECTED PERSONS



1. Name of company


Provident Financial plc



2. Name of director


John Arthur Harnett



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 (any treasury shares held by company should not be
taken into account when calculating percentage)


-



9. Number of shares/amount of stock disposed


-



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


-



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 (any
treasury shares held by company should not be taken into account when
calculating percentage)


-



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



17. Date of grant


5 August 2004



18. Period during which or date on which exercisable


5 August 2007 to 4 August 2014



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


-



20. Description of shares or debentures involved: class, number


114,950  10 4/11p ordinary shares



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


550.5p



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


409,141



23. Any additional information


-



24. Name of contact and telephone number for queries


Rosamond J Marshall Smith

Tel:  [phone] ext. 2356



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


Rosamond J Marshall Smith

Company Secretary



Date of Notification


6 August 2004



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 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 (any treasury shares held by company should not be
taken into account when calculating percentage)


-



9. Number of shares/amount of stock disposed


-



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


-



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 (any
treasury shares held by company should not be taken into account when
calculating percentage)


-



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



17. Date of grant


5 August 2004



18. Period during which or date on which exercisable


5 August 2007 to 4 August 2014



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


-



20. Description of shares or debentures involved: class, number


103,455  10 4/11p ordinary shares



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


550.5p



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


388,330



23. Any additional information


-



24. Name of contact and telephone number for queries


Rosamond J Marshall Smith

Tel:  [phone] ext. 2356



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


Rosamond J Marshall Smith

Company Secretary



Date of Notification


6 August 2004



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 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 (any treasury shares held by company should not be
taken into account when calculating percentage)


-



9. Number of shares/amount of stock disposed


-



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


-



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 (any
treasury shares held by company should not be taken into account when
calculating percentage)


-



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



17. Date of grant


5 August 2004



18. Period during which or date on which exercisable


5 August 2007 to 4 August 2014



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


-



20. Description of shares or debentures involved: class, number


103,455  10 4/11p ordinary shares



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


550.5p



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


304,944



23. Any additional information


-



24. Name of contact and telephone number for queries


Rosamond J Marshall Smith

Tel:  [phone] ext. 2356



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


Rosamond J Marshall Smith

Company Secretary



Date of Notification


6 August 2004



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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