Klarna Investor Update

Klarna's consistent track record of growth. Global active consumers Global retail partners Countries Gross merchandise volume (SEKbn) Revenue (SEKbn) H12018 56m 90k 10 115 2.8 H12020 78m ▷ 150m+ ► ▷ 200k 450k+ ► 17 H12022 215 5.0 45 396 9.1 GROWTH 2018-2022 2.7x 5.0x 4.5x 3.4x 3.3x Klarna is outpacing global e-commerce growth year after year: 21% Global Klarna Volume growth YoY VS US Klarna Volume growth YoY -4% Global retail e-commerce Yoy* 109% vs +3.5% VS US retail e-commerce YoY* *Source: Salesforce Shopping Index 4

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