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Klarna Investor Presentation Deck

25m 20m 15m 10m 5m Om Klarna app is the single largest volume channel. 1 2020 AppAnnie, 2021, Apptopia, 2021 Klarna 2021 US APP DOWNLOADS Competitor 1 Competitor 2 Competitor 3 The Klarna app is now the single largest driver of GMV across the Klarna ecosystem, fuelling growth for Klarna and its retail partners through consumer acquisition and referrals. It is the second fastest-growing app on a downloads basis 5 compared to major global payments peers.¹ Competitor 4 40% US share of global app downloads Top 10 US shopping apps 2021² 3X App users purchase frequency vs non-app users

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