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Klarna Investor Presentation Deck

We have a tried and tested recipe in successful market launches. Market Sweden Norway Finland Germany Netherlands Austria Switzerland UK 2022 Gross Margin 72% 65% 71% 64% 58% 72% 74% 45% Total Established Markets Gross Profit (2022): SEK 8.5bn 0 "The J-curve effect" As markets mature, our model has proven its ability to deliver favorable gross margins over time, as seen in the UK. UK cumulative monthly gross profit 2016 2017 2018 2019 2020 2021 2022

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