#1Interim Report January - June 2022 Klarna.#2One of the fastest growing consumer ecosystems in the world. 150m+ Active global consumers 61m Total app downloads and 23m monthly active users 300m Clicks to Global Retailers in H1 2022 450k+ Global retail partners across 15+ verticals. $782m of Total net operating income SEK 7.5bn (H1 2021: SEK 6.3bn)¹ $41bn of Gross merchandise volume² SEK 396bn (H1 2021: SEK 328bn)¹ 45 Countries with 11 new markets since 2020 18% Total net operating income YoY growth¹ 2x US Gross merchandise volume² YoY growth¹ The information is presented for Klarna Bank AB (publ). 1 Klarna's results are reported in SEK. To arrive at USD values, the average exchange rates for H1 2021 and H1 2022 have been used; 1 $ equals approximately 8.4 SEK for H1 2021, and 1 $ equals approximately 9.6 SEK for H1 2022. All growth figures are based on SEK results figures. 2 Total monetary value of sold products and services through Klarna over a given period of time. we are... partnered with the biggest brands H&M FARFETCH ZARA ebay KENZO SONY Spotify ★macy's Etsy Foot Locker SEPHORA Trusted by the best consumers Trustpilot ★★★★★ 4.4/5 Excellent Supported by leading investors DRAGONEER SEQUOIA wellcome trust SILVERLAKE CPP Investments INVESTMENT GROUP BlackRock. 2 GIC#3Everyone now uses Klarna. People across the world are using Klarna for all aspects of their everyday spending - be it online or in-store - and across all types of verticals and industries. There's no typical Klarna consumer. Representative consumers 150m+ Global active consumers across 45 countries Both men and women 40% 60% Women 40% Men 1 Moneygeek 60% From all income levels $$$$ Klarna consumers earn according to average income level distributions. In all stages of life 10% 18% 7% 27% 38% 38% Partner with children 27% Single without children 18% Partner without children 10% Single with children 7% Other Responsible credit users $100 Is the average outstanding credit balance per consumer vs $6,000¹ for credit card users. All educational backgrounds 27% 9% 31% 32% 32% Post secondary education 31% University 27% Secondary education 9% Other Responsible payers 99% Of consumers pay off their balance with Klarna. Living in all areas 28% 28% 44% City 28% Rural 28% Suburb 44% 50% 1.6m 0% Klarna cards 40 Average consumer age People choose Klarna for multiple reasons $6.5bn Deposits Leah @phatthighs. May 12, 2021 Replying to @Klarna and @beautybay #WhyPayInterest Klarna has allowed people from all walks of life to enjoy the finer things without the worry of interest. You've allowed people to feel included and equal and not many brands can say the same. Love you always Klarna It gives me more control 57+ Fastest growing age group of consumers It saves me money It helps me make better decisions It's quicker than other services 3#4Klarna's consistent track record of growth. Global active consumers Global retail partners Countries Gross merchandise volume (SEKbn) Revenue (SEKbn) H12018 56m 90k 10 115 2.8 H12020 78m ▷ 150m+ ► ▷ 200k 450k+ ► 17 H12022 215 5.0 45 396 9.1 GROWTH 2018-2022 2.7x 5.0x 4.5x 3.4x 3.3x Klarna is outpacing global e-commerce growth year after year: 21% Global Klarna Volume growth YoY VS US Klarna Volume growth YoY -4% Global retail e-commerce Yoy* 109% vs +3.5% VS US retail e-commerce YoY* *Source: Salesforce Shopping Index 4#5The US is Klarna's fastest growing key market. #2 Largest market by revenue 30m Consumers 6.3x Purchase frequency H122 2X H1 2022 GMV vs H1 2021 60% Brand awareness 30% Reduction of credit loss as a percentage of GMV vs H1 2021 MODE NOIR Home in Shaw My stores Payments Featured stores Purchases Deliveries BRITE Exposici History Shop with Klarna Q Search for brands or products Saved SUMMER VIBES MODE NOIR Shop online K. Referral Saved My Klarna in-store Elite Deals CO₂ emissions View all Ad One-time card Rewards More 1x 5#6Recent growth has positioned Klarna as the US market leader with US consumers shifting their spend to Klarna. ~3x Global users growth since 2019 ~27x US users growth since 2019 Indexed US Purchase Frequency Growth 1.5x Global purchase frequency growth since 2019 Launch of the Klarna App in the US 100 1H'19 1H'20 391 ~4x US purchase frequency growth since 2019; +37% YoY 1H'21 1H'22 COCO#7Klarna's global footprint driving outsized consumer adoption vs competitors. Global App Downloads (in millions) 5.8 Klarna 7.2 40% US share of global Klarna app downloads (H1 2022) Downloads source: AppAnnie 2.0 2.2 Q1'22 40% more app downloads vs closest competitors in H1 2022 Competitor 1. +67% More app downloads in H1 2022 than competitors in the US Q2'22 1.6 1.8 Competotor 2 3x App users purchase frequency vs non-app users All types of retailers partner with Klarna. 450k+ Global retail Partners across 15+verticals New partnerships M&S NESPRESSO PHILIPS ELGIGANTEN SONY ASUS EST. 1884 LEGO 300m Clicks to Global Retailers in H1 2022 ToysЯus Zappos CALZEDONIA ebay AÉROPOSTALE dyson Canon Pepe Jeans adidas FOREVER 21 COS Timberland SAMSUNG ZADIG & VOLTAIRE Wolt Discovery Dr. AirWair Martens PUMA Expedia Hotels.com™ HACKETT LONDON 49/100 of the US National Retail Federation's Top 100s partner with Klarna Kiehl's GNC 7#8Klarna is much more than BNPL, supported by strategic investments to broaden our offering. Financing Buy now pay later Pay now I I | T I 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 Virtual shopping Publisher solutions Content creation In-store Klarna card Discounts and deals Budgeting tool Express button Shopping browser On-site messaging I 2016 2017 2018 2019 2020 2021 2022 PriceRunner TM STOCARD Inspirock is a travel planning website inspirock with a unique interface that enables trip planner travelers to plan their entire itinerary from transportation to activities. APPRL HERO toplooksa Piggy ai PriceRunner is a price comparison platform for e-commerce, offering to help consumers find better products at better prices by comparing with many merchants. Stocard is a mobile wallet designed to increase shopper loyalty through tailored offers. 8 APPRL allows content creators and retailers to work together frictionlessly to design immersive and informative shoppable content. Hero is a virtual shopping platform for eCommerce, offering live streaming solutions for online merchants and in- store personnel to assist and convert online shoppers. Al-driven content creation tools to provide retailers with personalization capabilities and nearly unlimited shoppable content. Piggy powers Klarna's desktop extension which provides Klarna payment methods at desktop checkout and automatically adds coupons and cash back.#9Meaningful positive impact on climate change through internal carbon tax. $1.7m Generated by Klarna's internal carbon tax in 2021¹ $1m is funding Heirloom HUSK InterEarth - Silicate designed to tackle climate change potentially removing 11,587 metric tonnes of CO2 equivalents by 2030 $700k has been donated to M (milkywire) supporting projects which address the climate crisis 1 Klarna follows the guidelines from the GHG Protocol Corporate Accounting and Reporting Standard, and the Corporate Value Chain (Scope 3) Accounting and Reporting Standard. The internal carbon tax is set at $100/tonne for all scope 1, 2 and travel emissions (remaining scope 3 emissions set at USD 10/tonne). In 2021, Klarna's internal tax on carbon amounted to $1.7 million. For more information see Klarna's 2021 ESG Report 2 Shopping Pulse in Q2 2022 Emissions overview 1 June -today 158 lb CO₂ About the same as a 396 miles ferry boat trip 1160 lb 720 lb Learn more This is the average CO, Impact of your Klarna shopping. We're constantly improving to give you the most accurate view of your footprint. Apr High impact purchases DO Indoor 158 lb VIBES Show all 418 lb CO₂ 9 Continuously evolving the in-app CO2 emissions tracker. K. More detailed breakdown of emissions released along fashion products' lifecycles Educational tips about use and recycling of purchased items in a sustainable way. 57% of consumers are looking for ways to track their carbon footprint while shopping²#10Thank you Klarna.