Holding(s) in Company

Provident Financial PLC
19 February 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):

Prudential plc group of companies



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

     Prudential plc
         Esmee Fairbairn Foundation
         JP Morgan Nominees
         M&G Income Inv Co Ltd
         Nortrust Nominee Ltd A/C MHA01
         Nortrust Nominee Ltd A/C MHF01
         Nortrust Nominee Ltd A/C MKD01
         Nortrust Noms Ltd
         Nortrust Noms Ltd A/C CRI01
         Nortrust Noms Ltd A/C MVA01
         Nortrust Noms Ltd A/C MVB01
         Nortrust Noms Ltd A/C PUC01
         Nortrust Noms Ltd A/C PUI01
         Pruclt HSBC GIS Nom (UK) PAC AC
         Pruclt HSBC GIS Nom (UK) PHL AC
         Pruclt HSBC GIS Nom (UK) PPL AC
         Pruclt HSBC GIS Nom (UK) HYBF AC
         Recovery Inv Company Limited


     M&G Group Limited
         Esmee Fairbairn Foundation
         M&G Income Inv Co Ltd
         Nortrust Nominee Ltd A/C MHA01
         Nortrust Nominee Ltd A/C MHF01
         Nortrust Nominee Ltd A/C MKD01
         Nortrust Noms Ltd
         Nortrust Noms Ltd A/C CRI01
         Nortrust Noms Ltd A/C MVA01
         Nortrust Noms Ltd A/C MVB01
         Nortrust Noms Ltd A/C PUC01
         Nortrust Noms Ltd A/C PUI01
         Pruclt HSBC GIS Nom (UK) PAC AC
         Pruclt HSBC GIS Nom (UK) PHL AC
         Pruclt HSBC GIS Nom (UK) PPL AC
         Pruclt HSBC GIS Nom (UK) HYBF AC
         Recovery Inv Company Limited


     M&G Investment Management Limited
         Esmee Fairbairn Foundation
         M&G Income Inv Co Ltd
         Nortrust Nominee Ltd A/C MHA01
         Nortrust Nominee Ltd A/C MKD01
         Nortrust Noms Ltd
         Nortrust Noms Ltd A/C CRI01
         Nortrust Noms Ltd A/C MVA01
         Nortrust Noms Ltd A/C MVB01
         Nortrust Noms Ltd A/C PUC01
         Nortrust Noms Ltd A/C PUI01
         Pruclt HSBC GIS Nom (UK) PAC AC
         Pruclt HSBC GIS Nom (UK) PHL AC
         Pruclt HSBC GIS Nom (UK) PPL AC
         Pruclt HSBC GIS Nom (UK) HYBF AC
         Recovery Inv Company Limited


     M&G Limited
         Esmee Fairbairn Foundation
         M&G Income Inv Co Ltd
         Nortrust Nominee Ltd A/C MHA01
         Nortrust Nominee Ltd A/C MHF01
         Nortrust Nominee Ltd A/C MKD01
         Nortrust Noms Ltd
         Nortrust Noms Ltd A/C CRI01
         Nortrust Noms Ltd A/C MVA01
         Nortrust Noms Ltd A/C MVB01
         Nortrust Noms Ltd A/C PUC01
         Nortrust Noms Ltd A/C PUI01
         Pruclt HSBC GIS Nom (UK) PAC AC
         Pruclt HSBC GIS Nom (UK) PHL AC
         Pruclt HSBC GIS Nom (UK) PPL AC
         Pruclt HSBC GIS Nom (UK) HYBF AC
         Recovery Inv Company Limited


     The Prudential Assurance Company Limited
         Pruclt HSBC GIS Nom (UK) PAC AC
         Pruclt HSBC GIS Nom (UK) PHL AC





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

14 February 2007



6. Date on which issuer notified:

16 February 2007



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

 Below 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)

Ordinary shares of 10 4/11p       25,620,734                         25,620,734

ISIN: GB0002685963



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 10 4/11p  25,436,472               25,436,472                        9.92%

ISIN: GB0002685963






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






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

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



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:

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



14. Contact name:

Emma G Versluys



15. Contact telephone number:

01274 731111 ext. 2569


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