BJ03 Hsbc Bk.23

    Skandinaviska Enskilda Banken

RE: SKANDINAVISKA ENSKILDA BANKEN
    CHF 50,000,000.00
    MATURING: 20/May/2005
    ISSUE DATE: 20/Nov/2003
    ISIN: XS0180512146

PLEASE BE ADVISED THAT THE INTEREST RATE FOR THE PERIOD
21/Feb/2005 TO 21/Mar/2005 HAS BEEN FIXED AT 0.741670 PCT

DAY BASIS 28/360

INTEREST PAYABLE VALUE 21/Mar/2005 WILL AMOUNT TO:
CHF 5.77 PER CHF 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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