Klarna Investor Update

Everyone now uses Klarna. People across the world are using Klarna for all aspects of their everyday spending - be it online or in-store - and across all types of verticals and industries. There's no typical Klarna consumer. Representative consumers 150m+ Global active consumers across 45 countries Both men and women 40% 60% Women 40% Men 1 Moneygeek 60% From all income levels $$$$ Klarna consumers earn according to average income level distributions. In all stages of life 10% 18% 7% 27% 38% 38% Partner with children 27% Single without children 18% Partner without children 10% Single with children 7% Other Responsible credit users $100 Is the average outstanding credit balance per consumer vs $6,000¹ for credit card users. All educational backgrounds 27% 9% 31% 32% 32% Post secondary education 31% University 27% Secondary education 9% Other Responsible payers 99% Of consumers pay off their balance with Klarna. Living in all areas 28% 28% 44% City 28% Rural 28% Suburb 44% 50% 1.6m 0% Klarna cards 40 Average consumer age People choose Klarna for multiple reasons $6.5bn Deposits Leah @phatthighs. May 12, 2021 Replying to @Klarna and @beautybay #WhyPayInterest Klarna has allowed people from all walks of life to enjoy the finer things without the worry of interest. You've allowed people to feel included and equal and not many brands can say the same. Love you always Klarna It gives me more control 57+ Fastest growing age group of consumers It saves me money It helps me make better decisions It's quicker than other services 3

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