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Klarna Investor Presentation Deck

A reminder: We have a history of profitability. Klarna group historical EBT development (SEKm) 18 55 36 76 31 66 101 170 167 523 159 007 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Business model foundations driven by long history of profitability prior to decision to accelerate growth in new markets. Accelerating path towards profitability on track. Adjusted Operating Result (SEKbn) H1 2022 -5.02 H2 2022 -2.79 44% improvement achieved in just 6 months

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