Holding(s) in Company

Provident Financial PLC
24 November 2003

                                  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 Nominees Ltd                                                17,105
Lloyds Bank Nominees Limited                                             47,700
Northern Trust                                                           26,400
State Street Bank & Trust                                                39,400
JP Morgan Chase                                                          52,700
Chase Nominees Ltd                                                    9,526,668
Chase Manhattan Bank London                                             801,800
Bankers Trust                                                            52,000
Citibank                                                                157,900
BT Globenet Nominees Ltd                                                 23,700
MSS Nominees Ltd                                                         51,950
Nortrust Nominees Ltd                                                   119,180
RBS Trust Bank                                                           71,097
Bank of New York London                                                 259,395
Chase Nominees Ltd                                                      163,900
Chase Nominees Ltd                                                      465,000
Nortrust Nominees Ltd                                                   339,531
Bankers Trust                                                            49,000
RBS Trust Bank                                                          481,100
Morgan Stanley                                                          204,390
State Street Bank & Trust                                               725,016
Bank of New York London                                                 915,100
Northern Trust                                                        1,006,957
Citibank                                                                 42,970
Chase Manhattan Bank London                                             667,948
HSBC Client Holdings Nominee (UK) Limited                               136,180
JP Morgan                                                               291,411
Deutsche Bank                                                           322,300
Mellon Nominees Ltd                                                      28,300
National Australia Bank                                                   3,400
Bank of New York Brussels                                               137,200
PICG                                                                      2,000
Chase Manhattan Bank AG Frankfurt                                        31,594
State Street Nominees Ltd                                                 3,500





5. Number of shares / amount of stock acquired


-



6. Percentage of issued class


-



7. Number of shares / amount of stock disposed


707,054



8. Percentage of issued class


0.278%



9. Class of security


Ordinary shares of 10 4/11p



10. Date of transaction


Not disclosed



11. Date company informed


24 November 2003



12. Total holding following this notification


17,363,792



13. Total percentage holding of issued class following this notification


6.827%



14. Any additional information


-



15. Name of contact and telephone number for queries


Caroline L Farbridge

01274 731111 ext. 2569



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


Caroline L Farbridge

Assistant Company Secretary



Date of notification


24 November 2003




                      This information is provided by RNS
            The company news service from the London Stock Exchange