Holding(s) in Company

Provident Financial PLC
22 November 2007



TR-1(i): NOTIFICATION OF MAJOR INTERESTS IN SHARES



1. Identity of the issuer or the underlying issuer of existing shares to which
voting rights are attached (ii):

Provident Financial plc



2. Reason for the notification (please place an X inside the appropriate bracket
/s):



An acquisition or disposal of voting rights: ( X )



An acquisition or disposal of financial instruments which may result in the
acquisition of shares already issued to which voting rights are attached: (    )



An event changing the breakdown of voting rights: (    )



Other (please specify) : (    )

.................



3. Full name of person(s) subject to the notification obligation (iii):

Schroders plc



4. Full name of shareholder(s) (if different from 3.) (iv):

-



5. Date of the transaction (and date on which the threshold is crossed or
reached if different) (v):

20 November 2007



6. Date on which issuer notified:

21 November 2007



7. Threshold(s) that is/are crossed or reached:

From 9% to 10%



8. Notified details:

.................



A: Voting rights attached to shares


Class/type of shares if possible           Situation previous to the Triggering transaction (vi)
using the ISIN CODE
                                  Number of shares                   Number of voting Rights (viii)

                                  12,468,390                         12,468,390
Ordinary shares of 20 8/11p
ISIN:

GB00B1Z4ST84


Resulting situation after the triggering transaction (vii)


Class/type of shares if      Number of shares         Number of voting rights (ix)      % of voting rights
possible using the ISIN CODE
                             Direct                   Direct (x)   Indirect (xi)        Direct      Indirect

Ordinary shares of 20 8/11p  n/a                      n/a          13,287,587           n/a         10.161%
ISIN:                                                                                               

GB00B1Z4ST84




B: Financial Instruments

Resulting situation after the triggering transaction (xii)


Type of         Expiration Date       Exercise/Conversion       Number of voting rights     % of voting rights
financial       (xiii)                Period/ Date (xiv)        that may be acquired if the
instrument                                                      instrument is exercised/
                                                                converted.






Total (A+B)
Number of voting rights        % of voting rights

13,287,587                     10.161%




9. Chain of controlled undertakings through which the voting rights and/or the
financial instruments are effectively held, if applicable (xv):




Schroder Investment Management    13,276,935                         10.153%
Limited


Schroder & Co Limited             10,652                             0.008%







Proxy Voting:



10. Name of the proxy holder:

.................



11. Number of voting rights proxy holder will cease to hold:

.................



12. Date on which proxy holder will cease to hold voting rights:

.................



13. Additional information:

Notification using the total voting rights figure of 130,765,828



14. Contact name:

K J Mullen

Company Secretary and General Counsel



15. Contact telephone number:

01274 731111 ext. 2313


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