BJ03 Hsbc Bk.23

    Skandinaviska Enskilda Banken

RE: SKANDINAVISKA ENSKILDA BANKEN
    GBP 50,000,000.00
    MATURING: 19-Sep-2005
    ISSUE DATE: 19-Mar-2004
    ISIN: XS0188233067

PLEASE BE ADVISED THAT THE INTEREST RATE FOR THE PERIOD
20-Jun-2005 TO 19-Sep-2005 HAS BEEN FIXED AT 4.900000 PCT

DAY BASIS 91/365

INTEREST PAYABLE VALUE 19-Sep-2005 WILL AMOUNT TO:
GBP 610.82 PER GBP 50,000.00 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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