Holding(s) in Company

Provident Financial PLC
22 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


Prudential plc/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 shareholders 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


Prudential plc




ESMEE FAIRBAIRN FOUNDATION                                               239,677
J P MORGAN NOMINEES                                                       48,324
M&G INCOME INV CO LTD                                                    478,942
NORTRUST NOMINEE LTD A/C MHA01                                           600,000
NORTRUST NOMINEE LTD A/C MHF01                                            52,998
NORTRUST NOMINEE LTD A/C MKD01                                         1,625,000
NORTRUST NOMS LTD                                                        632,475
NORTRUST NOMS LTD A/C CRI01                                            2,000,000
NORTRUST NOMS LTD A/C MVA01                                               92,038
NORTRUST NOMS LTD A/C MVB01                                              325,000
NORTRUST NOMS LTD A/C PUC01                                              356,764
NORTRUST NOMS LTD A/C PUI01                                               17,718
PRUCLT HSBC GIS NOM (UK) PAC AC                                       16,605,088
PRUCLT HSBC GIS NOM (UK) PHL AC                                          880,891
PRUCLT HSBC GIS NOM (UK) PPL AC                                        1,040,645
PRUCLT HSBC GIS NOM (UK) HYBF AC                                         217,797
RECOVERY INV COMPANY LIMITED                                             407,377
Total                                                                 25,620,734
Percentage of issued share capital                                        10.00%



The Prudential Assurance Company Limited:


PRUCLT HSBC GIS NOM (UK) PAC AC                                       16,605,088
PRUCLT HSBC GIS NOM (UK) PPL AC                                        1,040,645
Total                                                                 17,645,733
Percentage of issued share capital                                         6.89%





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


19 January 2007



12. Total holding following this notification



Prudential plc holds 25,620,734 shares

The Prudential Assurance Company Limited holds 17,645,733 shares



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)


Prudential plc 10.00%

The Prudential Assurance Company Limited 6.89%



14. Any additional information



Provident Financial plc received notification on 19 January 2007 that M&G Group
Limited and M&G Limited have ceased to have a notifiable interest in the share
capital of the company.



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


22 January 2007



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for loss of business or loss of profits) arising in contract, tort or otherwise
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