#1Klarna K.#2Strong Capital Position. 20,000 15,000 10,000 5,000 0 80,000 60,000 40,000 20,000 0 2,283 2017 15,554 2017 CET1 (SEKm) 2,452 2018 22,761 7,439 2018 2019 Total REA (SEKm) 26,445 12,514 2019 2020 42,390 2020 19,373 2021 61,836 2021 40% 30% 20% 10% 0% 25% 20% 15% 10% 5% 0% 15.0% 2018 11.0% 2018 Own funds ratio 31.9% 2019 20:5% 31.9% Leverage Ratio 2019 2020 -20.7% 2020 32.1% 2021 18:7% 2021 Note: Figures refer to Klarna Holding AB (publ). In accordance with the capital adequacy regulations, the consolidated situation is made up of Klarna Holding AB (publ) (Klarna Bank AB (publ)'s parent company) and its subsidiaries. All subsidiaries are fully consolidated in the Group. ■ Strong commitment from shareholders to support current investments. Healthy buffer of CET1. ■ Strong leverage ratio positions to support further growth in the medium term. Further comfort drawn from Klarna's demonstrated access to capital. ■ The Additional Tier 1 capital instrument issued by Klarna Bank AB is coming up for its first call, in May 2022. The company continues to assess the value of regulatory capital instruments as part of the Group's and Klarna Bank's strong capital position. ■ While Klarna remains well capitalized, the company is continuously exploring ways to optimize its capital position. As part of that ongoing work, Klarna is looking into structured risk sharing arrangements with external investors.