BJ03 Hsbc Bk.23

    Skandinaviska Enskilda Banken

RE: SKANDINAVISKA ENSKILDA BANKEN
    EUR 100,000,000.00
    MATURING: 25/Nov/2005
    ISSUE DATE: 25/Nov/2003
    ISIN: XS0180770512

PLEASE BE ADVISED THAT THE INTEREST RATE FOR THE PERIOD
25/Aug/2005 TO 25/Nov/2005 HAS BEEN FIXED AT 2.198000 PCT.

DAY BASIS 92/360

INTEREST PAYABLE VALUE 25/Nov/2005 WILL AMOUNT TO
EUR 56.17 PER EUR 10,000.00 DENOMINATION.

IF YOU HAVE ANY QUERIES PLEASE CONTACT THE RATE FIX DESK ON
TEL: 44 20 7508 3858/3855 OR FAX: 44 20 7508 3881.

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