Klarna Investor Presentation Deck

Ensuring consumers get a fair deal. 60% The customer comes first. 35% Our services are built to solve problems that matter for shoppers, not to make short-term profit. Revenue Split by Customer Type #1 most sustainable bank¹ Consumer Revenue % of Total H1 2018 Merchant Revenue % of Total H1 2019 We display clear terms and any costs up-front, so there are no unpleasant surprises. Friendly and transparent. 44% are more likely to shop when Klarna is available H1 2020 Sources: 1 https://hallbaravarumarken.se/ 2 Kantar Sifo reputation index 2021 H1 2021 Always here to help. We send friendly payment reminders and offer 24/7 customer support in local languages. 12th most trusted overall brand² In line with our business strategy, retailer revenue is growing at a faster rate than consumer revenue and is increasing as a proportion of total revenue. Total consumer revenue continues to grow in line with consumer growth but we continue to nudge consumers to avoid late fees. 9:41 X The Never Forget Test. Gör testet, glöm aldrig mer, få tillbaka din påminnelseavgift. Vi vill att det ska bli lättare att komma ihåg att betala sina fakturor i tid och på så sätt undvika påminnelseavgifter. Ta testet och lär dig mer om hur du undviker påminnelseavgifter. Starta testet

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