Klarna Credit Presentation Deck
Strong 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.View entire presentation