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Klarna Investor Presentation Deck

A preferred growth partner for retailers. Active retailers Growth in number of active retailers¹ during the last twelve months. Global 2019 1.4x vs 2019 2020 In-store² ¹ Retailers that have more than one transaction in the past 12 months. 2 Number of active stores with integrated Klarna In-store solutions at year end. Dec 2019 Our unique brand offering drives millions of referrals and traffic each month from owned channels to our retailers. 22m US lead referrals during December. 1.8x vs Dec 2019 Dec 2020 Rapid growth of Klarna's In-store offering. Global retailers continue to choose Klarna as their preferred payment provider and onboarding has accelerated throughout 2020.

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