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Klarna Investor Presentation Deck

Sustainable & disruptive, Klarna's business model is built to drive profitable growth. 1. Global reach and brand recognition 2. Shopping destination of the future 3. Agile business model delivering path to profitability Full Year 2022 22% Global Volume growth 635m Clicks to retailer sites in 2022 63% Gross Margin in established markets 71% US Volume growth 27m+ Monthly active app users +18% YoY growth 0.58% Global credit losses Q4'22

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