Klarna Investor Presentation Deck
Management to statutory revenue
reconciliation.
Management accounts view
Amounts in SEKM
Revenue
Net financials
Commission expenses
Financial gains and losses
& Other
Total net operating income
Jan Dec 2020
11,030
-514
-574
Management accounts
revenue bridge
58
10,000
Statutory income statement
Amounts in SEKm
Interest income calculated
according to the effective
interest rate method
Interest expenses
Net interest income
Commission income
Commission expenses
Net result from financial
transactions
Other operating income
Jan Dec 2020
Total net operating income
The information is presented for Klarna Bank AB (publ).
¹ Klarna Bank AB (publ)'s results are reported in SEK. To arrive at USD values, the average exchange rates YTD have
been used; 1 USD equals approximately 9.2 SEK for 2020.
The information is presented for Klarna Bank AB (publ).
3,265
-601
2,664
7,673
-574
92
146
10,000
■ Klarna Bank AB (publ)'s Revenue sets a new record
with USD 1.2bn¹ (SEK 11bn). The bridge shows the
management accounts breakdown from Revenue to
the statutory figure for Total net operating income.
■ We believe Revenue is the best indicator for how
much value we are sustainably generating from our
business. We consider Net financials a cost, in-line
with our peers. Commission expenses is a cost
associated with customer acquisition, and Financial
gains and losses & Other are also considered cost
items, with most of it not related directly to our core
business.
K.View entire presentation