Holding(s) in Company

Provident Financial PLC
19 January 2006

                                  SCHEDULE 10

                   NOTIFICATION OF MAJOR INTERESTS IN SHARES



1. Name of company

Provident Financial plc

2. Name of shareholder having a major interest

M&G Investment Management Limited/M&G Limited/M&G Group 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

M&G Investment Management Limited/M&G Limited/M&G Group Limited

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 10 4/11p



10. Date of transaction


17 January 2006



11. Date company informed


18 January 2006



12. Total holding following this notification


M&G Investment Management Limited, M&G Limited and M&G Group Limited no longer 
have a notifiable interest in the issued share capital of the company.



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)


-



14. Any additional information


M&G Investment Management Limited have advised that, for the avoidance of doubt, the following companies continue to
have a notifiable interest in the issued share capital of the company as detailed below:



Prudential plc:


J P MORGAN NOMINEES                                                                                39,724
M&G INCOME INV CO. LTD                                                                            478,942
MAGIM HSBC GIS NOM (UK) SALI                                                                       29,191
NORTRUST NOMINEE LTD A/C MHA01                                                                    600,000
NORTRUST NOMINEE LTD A/C MHF01                                                                     52,998
NORTRUST NOMINEE LTD A/C MKA01                                                                    256,000
NORTRUST NOMINEE LTD A/C MKD01                                                                  1,625,000
NORTRUST NOMS LTD                                                                                 666,286
NORTRUST NOMS LTD A/C CRI01                                                                     2,000,000
NORTRUST NOMS LTD A/C MEK01                                                                       400,000
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 PUF01                                                                        45,734
NORTRUST NOMS LTD A/C PUI01                                                                        15,366
NORTRUST NOMS LTD A/C PUR01                                                                       516,692
PRUCLT HSBC GIS NOM (UK) PAC AC                                                                15,603,777
PRUCLT HSBC GIS NOM (UK) PHL AC                                                                   830,891
PRUCLT HSBC GIS NOM (UK) PPL AC                                                                   823,342
PRUCLT HSBC GIS NOM (UK) EQBF AC                                                                   13,760
PRUCLT HSBC GIS NOM (UK) HYBF AC                                                                  268,049
PRUCLT HSBC GIS NOM (UK) MNBF AC                                                                   23,200
PRUCLT HSBC GIS NOM (UK) PENE AC                                                                   86,071
RECOVERY INV COMPANY LIMITED                                                                      407,377

Total                                                                                          25,556,202
Percentage of issued share capital                                                                  10.00





The Prudential Assurance Company Limited:


MAGIM HSBC GIS NOM (UK) SALI                                                                       29,191
PRUCLT HSBC GIS NOM (UK) PAC AC                                                                15,603,777
PRUCLT HSBC GIS NOM (UK) PPL AC                                                                   823,342

Total                                                                                          16,456,310
Percentage of issued share capital                                                                   6.44







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


19 January 2006



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