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Klarna Investor Presentation Deck

Strong access to cost effective funding. Stable sources of funding Deposits 79% EUR/ 17% SEK 95.9% Deposits 1.5% Revolving Credit Facility 1.3% Senior Unsecured 0.9% Bilateral loans 0.4% Subordinated debt 0.03% Commercial paper Prudent funding strategy built to withstand market volatility 3% 2% 1% 0% 1 Jan 22 Mar 22 Jul 22 May 22 Funding costs % Fund.vol (act) 3, xIBOR (act) Sep 22 M I Nov22

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