Holding(s) in Company

Provident Financial PLC
08 August 2006

                                  SCHEDULE 10

                   NOTIFICATION OF MAJOR INTERESTS IN SHARES



1. Name of company


Provident Financial plc



2. Name of shareholder having a major interest


Barclays PLC



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


Bank of Ireland a/c 426353                                                                               407,407
Bank of New York                                                                                          17,987
Barclays Capital Nominees Limited                                                                        253,000
Barclays Capital Nominees Limited                                                                         43,765
Barclays Capital Nominees Limited                                                                        381,311
Barclays Global Investors Canada                                                                          18,725
Barclays Trust Co & Others                                                                                14,043
Barclays Trust Co as Exec /ADM C 000000000000000000                                                          442
Barclays Trust Co DMC69 C 000000000000000000                                                                 374
Barclays Trust Co R69 C 000000000000000000                                                                21,480
BOISS Nominees Ltd a/c 4224361                                                                           234,999
Chase Nominees Ltd a/c 16376                                                                             124,317
Chase Nominees Ltd a/c 28270                                                                              87,708
Gerrard Nominees Limited a/c 620404                                                                          395
Greig Middleton Nominees Limited (GM1)                                                                    72,396
Investors Bank and Trust Co.                                                                               2,319
Investors Bank and Trust Co.                                                                             251,707
Investors Bank and Trust Co.                                                                              14,168
Investors Bank and Trust Co.                                                                              44,247
Investors Bank and Trust Co.                                                                              78,358
Investors Bank and Trust Co.                                                                              72,150
Investors Bank and Trust Co.                                                                               3,975
Investors Bank and Trust Co.                                                                               7,546
Investors Bank and Trust Co.                                                                               7,783
Investors Bank and Trust Co.                                                                           1,314,025
Investors Bank and Trust Co.                                                                             851,880
Investors Bank and Trust Co.                                                                              23,077
Investors Bank and Trust Co.                                                                              14,447
JP Morgan (BGI Custody) a/c 16331                                                                         70,378
JP Morgan (BGI Custody) a/c 16338                                                                         15,151
JP Morgan (BGI Custody) a/c 16341                                                                        141,911
JP Morgan (BGI Custody) a/c 16342                                                                         32,144
JP Morgan (BGI Custody) a/c 16400                                                                      2,023,196
JP Morgan (BGI Custody) a/c 18409                                                                        195,595
J P Morgan Chase Bank                                                                                     22,119
J P Morgan Chase Bank                                                                                      4,241
J P Morgan Chase Bank                                                                                      2,551
J P Morgan Chase Bank                                                                                     15,052
J P Morgan Chase Bank                                                                                     11,670
J P Morgan Chase Bank                                                                                     37,191
J P Morgan Chase Bank                                                                                     27,242
J P Morgan Chase Bank                                                                                      6,660
J P Morgan Chase Bank                                                                                      2,538
J P Morgan Chase Bank                                                                                     26,866
J P Morgan Chase Bank                                                                                    140,143
J P Morgan Chase Bank                                                                                     34,614
J P Morgan Chase Bank                                                                                      2,068
J P Morgan Chase Bank                                                                                      8,362
Mellon Trust - US Custodian /                                                                              9,723
Mitsui Asset                                                                                               4,125
R C Greig Nominees Limited                                                                               177,297
R C Greig Nominees Limited a/c AK1                                                                       130,767
R C Greig Nominees Limited a/c BL1                                                                        21,387
R C Greig Nominees Limited a/c CM1                                                                        21,977
R C Greig Nominees Limited GP1                                                                            22,535
R C Greig Nominees Limited SA1                                                                            17,026
State Street Bank and Trust Co                                                                            30,600
State Street Boston                                                                                      130,516
Trust & Custody Services Bank                                                                              2,910



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


3 August 2006






11. Date company informed


8 August 2006



12. Total holding following this notification


7,752,586



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)


3.03%



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


8 August 2006



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