Holding(s) in Company

Provident Financial PLC
27 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


Morgan Stanley Securities Limited and its direct and indirect holding companies



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 shareholder 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


Morgan Stanley Securities Limited



5. Number of shares / amount of stock acquired


Not disclosed



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


Not disclosed



7. Number of shares / amount of stock disposed


-



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


-



9. Class of security


Ordinary shares of 10 4/11p



10. Date of transaction


22 September 2005




11. Date company informed


26 September 2005



12. Total holding following this notification


10,046,810 of which 9,354,978 shares have been transferred to a third party on
terms that permit Morgan Stanley Securities Limited to require the return of an
equivalent number of 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)


3.93%



14. Any additional information


-



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


27 September 2005



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