Klarna Investor Update

Recent 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

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