Holding(s) in Company

Provident Financial PLC
16 February 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


State Street Hong Kong                                                   4,700
Bank of New York Europe Ldn                                            600,000
JP Morgan Bournemouth                                                  422,000
Bank of New York Brussels                                               24,200
Brown Bros Harrimn Ltd Lux                                             201,070
JP Morgan Bournemouth                                                  297,334
National Astl Bk Melbourne                                             129,900
Northern Trust London                                                   52,200
State Str Bnk and Tr Co Lndn                                            44,500
J P Morgan Bournemouth                                              11,318,336
J P Morgan Chase Bank                                                4,523,707
Mellon Bank N.A.                                                       279,594
Northern Trust London                                                   38,400
Bank of New York                                                        22,600
Brown Brothers Harriman and Co.                                        193,700
J P Morgan Chase Bank                                                   72,900
Northern Trust Co.                                                      33,200
State Street Bank And Tr Co                                            156,391
Bank of New York Brussels                                              541,636
Bank of New York Europe Ldn                                             57,556
Bankers Trust London                                                    65,400
Chase Manhattan London                                                   4,300
Chase Manhttn Bk AG Frnkfrt                                             30,194
Citibank London                                                        155,970
Clydesdale Bank PLC                                                     49,500
Dexia Privatbank                                                         3,600
HSBC Bank PLC                                                          224,900
J P Morgan Bournemouth                                                 790,556
Mellon Bank                                                            202,255
Midland Securities Services                                             32,850
Nordea Bank AB                                                           9,500
Northern Trust London                                                1,768,110
State Str Bk and Tr Co Lndn                                            573,205


5. Number of shares / amount of stock acquired

-

6. Percentage of issued class

-

7. Number of shares / amount of stock disposed

277,753

8. Percentage of issued class

0.109%

9. Class of security

Ordinary shares of 10 4/11p

10. Date of transaction

Not disclosed

11. Date company informed

16 February 2005

12. Total holding following this notification

22,924,264

13. Total percentage holding of issued class following this notification

8.99%

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


16 February 2005




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