Full Early Redemption

    Skandinaviska Enskilda Banken

Skandinaviska Enskilda Banken AB (publ)
(the "Issuer")
U.S. $100,000,000 Perpectual Subordinated Variable
Variable Rate Notes
ISIN XS0101748563
Common Code: 010174856
(the "Notes")
Notice is hereby given to the holders of the Notes that, pursuant to Condition
5(A) of the Terms and Conditions, the issuer will redeem all the Notes in full
at their outstanding principal amount together with accrued and unpaid interest
up to but excluding September 6, 2005 (the "Redemption Date"), interest will
cease to accrue on the Notes from the Redemption Date. Payment of principal and
interest in respect of the Notes held in definitive form will be made in
accordance with and subject to Condition 4(A) and 4 (B) of the Terms and
Conditions of the Notes against the presentation and surrender of the relevant
Notes, together with all unmatured Coupons, at the specified office of the
Paying Agent listed below on or after the Redemption Date.
Pursuant to Condition 9 of the Terms and Conditions of the Notes, the Notes and
Coupons will become void unless presented for payment within periods of 10 years
and 5 years respectively from the Redemption Date.
This Notice is give by: 29 July, 2005
Skandinaviska Enskilda Banken AB (publ)
Principal Paying Agent
Citibank N.A.
(formerly known as Morgan Guaranty Trust Company of New York, London Branch)
5 Carmelite Street
London EC4Y 0PA
Fiscal Agent
Citibank, N.A.
(formerly known as Morgan Guaranty Trust Company of New York, London Branch)
5 Carmelite Street
London EC4Y 0PA

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