Holding(s) in Company

Provident Financial PLC
19 January 2007

                                  SCHEDULE 10

                   NOTIFICATION OF MAJOR INTERESTS IN SHARES


1. Name of company

Provident Financial plc

2. Name of shareholder having a major interest

Franklin Resources Inc. and its affiliates

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 2 above

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

JP Morgan Chase Bank                                                 14,288,644
Bank of New York, London                                                 15,000
State Street Bank                                                       247,900
Mellon Bank NA                                                          410,341

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 of 10 4/11p

10. Date of transaction

18 January 2007

11. Date company informed

18 January 2007

12. Total holding following this notification

14,961,885

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)

5.8403%

14. Any additional information

-

15. Name of contact and telephone number for queries

Emma G Versluys
Assistant Company Secretary
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

19 January 2007

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for loss of business or loss of profits) arising in contract, tort or otherwise
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it, or from any action or decision taken as a result of using this document or
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