Klarna Investor Presentation Deck

Accelerating consumer acquisition and adoption... across demographics as consumers seek sustainable forms of credit. 100 Indexed Global Active Users (Quarterly) ~2x Global users growth since 2017 ~5x US users growth since 2019 193 4Q17 1Q18 2Q18 3Q18 4Q18 1Q19 2Q19 3Q19 4Q19 1Q20 2Q20 3Q20 4Q20 1Q21 2Q21 3Q21 4Q21 Consumers are shifting their spend to Klarna. Growth Market Mature Market 100 1H 2019 Purchase Frequency Growth Index 2H 2019 1H 2020 2H 2020 1H 2021 341 +20% increase in the last 6 months 2H 2021 168

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