Holding(s) in Company

Provident Financial PLC
21 September 2005

                                  SCHEDULE 10

                   NOTIFICATION OF MAJOR INTERESTS IN SHARES



1. Name of company


Provident Financial plc



2. Name of shareholder having a major interest


FMR Corporation and its direct and indirect subsidiaries and Fidelity
International Limited and its direct and indirect subsidiaries


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


Non-beneficial interest of shareholders referred to 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


Northern Trust London                                                    524,480
Bank of New York Brussels                                                192,770
State Str Bk and Tr Co Lndn (S                                           117,000
Bank of New York Europe Ldn                                               50,056
Citibank London                                                           47,200
JP Morgan, Bournemouth                                                 7,978,970
JP Morgan, Bournemouth                                                   302,500
Bank of New York Europe, Ldn                                             268,100



5. Number of shares / amount of stock acquired


-



6. Percentage of issued class


-



7. Number of shares / amount of stock disposed


3,182,900



8. Percentage of issued class


1.25%



9. Class of security


Ordinary shares of 10 4/11p



10. Date of transaction


20 September 2005



11. Date company informed


21 September 2005



12. Total holding following this notification


9,481,076



13. Total percentage holding of issued class following this notification


3.71%



14. Any additional information


-



15. Name of contact and telephone number for queries


Emma G Versluys

01274 731111 ext. 2569



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


Emma G Versluys

Assistant Company Secretary



Date of notification


21 September 2005




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