BJ03 Hsbc Bk.23

    Skandinaviska Enskilda Banken

RE: SKANDINAVISKA ENSKILDA BANKEN
    EUR 42,500,000.00
    MATURING: 29/Dec/2006
    ISSUE DATE: 30/Oct/2003
    ISIN: XS0179604151

PLEASE BE ADVISED THAT THE INTEREST RATE FOR THE PERIOD
30/Sep/2005 TO 30/Dec/2005 HAS BEEN FIXED AT 2.196000 PCT.

DAY BASIS 91/360

INTEREST PAYABLE VALUE 30/Dec/2005 WILL AMOUNT TO
EUR 555.10 PER EUR 100,000.00 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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