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Klarna Business Update

Key highlights from the period. ■ Strong growth in H1 with accelerating gross merchandise volume and net operating income growth in Q2 2020 (51% and 41% year-on-year respectively). ■ 35,000 new retail partners, approximately 200 new per day. ■ 14 million new consumers and 12 million monthly active Klarna app users at the end of the period. ■ 45,000 app installs every day - 3x higher compared to same period last year. ■ Since launch in summer 2019, Klarna has been outpacing our closest competitors with almost 1.5 million more app installs. ■ Launch of Vibe - the first buy now, pay later loyalty program. ■ Launched in Australia, Belgium and Spain. S K.

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