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Klarna Investor Presentation Deck

Driving consumer acquisition and adoption ... across demographics as consumers seek sustainable forms of credit. Indexed Global Active Users (Quarterly) 100 182 4Q17 1Q18 2018 3Q18 4Q18 1Q19 2019 3Q19 4Q19 1Q20 2020 3020 4020 1021 2Q21 1.7x Indexed Consumer Growth vs H1 2018 38% 90m 2.3x Active users 2.7x Gen Z - 18-24 H1 2020 1.7x 38% 2.2x 2.6x Millennial - 25-40 H2 2020 H1 2021 1.7x 2m Transactions per day 41% 2.2x 2.8x Gen X - 41-55 CAGR H1 2018-H1 2021 53% 2.0x 2.5x 3.6x Baby Boomer - 55+

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