Providian Financial Corporation Announces Fourth Quarter and Full Year

    Business Editors

    SAN FRANCISCO--(BUSINESS WIRE)--Jan. 10, 2005--Providian Financial Corporation (NYSE:PVN) today announced three upcoming Company events.
    The Company will hold its fourth quarter and full year 2004 earnings conference call on Thursday, January 20, 2005, at 5:00 p.m., Eastern Time. The earnings release and accompanying financial information will be released on Thursday after market-close and, together with the conference call script, will be available on the Company's web site. The call will be broadcast live over the Internet through the Investor Relations page of Providian's web site.
    On Thursday, January 27, 2005, the Company is scheduled to make an investor presentation at the Smith Barney Citigroup Financial Services Conference at 2:45 p.m. Eastern Time. Anthony Vuoto, Chief Financial Officer, will deliver the presentation. A live audio-webcast of this presentation will be available on the Investor Relations page of Providian's web site.
    The Company also announced that it will hold its annual Investor Day on Thursday, March 3, 2005, at 8:30 a.m. Eastern Time in New York. At this meeting, management will provide information on its business operations and financial performance. The presentation and the associated slide show will be broadcast live over the Internet through the Investor Relations page of Providian's web site.
    Those interested in listening to the call and/or presentations should go to the Investor Relations page of Providian's web site (www.providian.com) at least 15 minutes before the start time to register and download any necessary software. Replays will be available shortly after the conclusion of each event and archived on the Company's web site.

    About Providian

    San Francisco-based Providian Financial Corp. (www.providian.com) is a leading provider of credit cards to mainstream American consumers throughout the United States. By combining experience, analysis and technology, Providian seeks to build long-lasting relationships with its customers by providing products and services that meet their evolving financial needs.
    For more information, please contact Victoria Hyde-Dunn at 415-278-4282.

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CONTACT: Providian Financial Corporation Victoria Hyde-Dunn, 415-278-4282

KEYWORD: CALIFORNIA NEW YORK INDUSTRY KEYWORD: BANKING ADVISORY CONFERENCE CALLS SOURCE: Providian Financial Corporation

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