This document presents the consolidated Provident Financial plc Pillar 3 disclosures on capital and risk management at 31 December 2018 in accordance with the requirements of the Capital Requirements Directive and Regulation (CRD) IV.

This document should be read in conjunction with the Provident Financial plc Annual Report and Financial Statements 2018.

The group’s disclosures for 2018 are now available via the following link: Pillar 3 disclosures – 31 December 2018