Klarna Investor Update

One of the fastest growing consumer ecosystems in the world. 150m+ Active global consumers 61m Total app downloads and 23m monthly active users 300m Clicks to Global Retailers in H1 2022 450k+ Global retail partners across 15+ verticals. $782m of Total net operating income SEK 7.5bn (H1 2021: SEK 6.3bn)¹ $41bn of Gross merchandise volume² SEK 396bn (H1 2021: SEK 328bn)¹ 45 Countries with 11 new markets since 2020 18% Total net operating income YoY growth¹ 2x US Gross merchandise volume² YoY growth¹ The information is presented for Klarna Bank AB (publ). 1 Klarna's results are reported in SEK. To arrive at USD values, the average exchange rates for H1 2021 and H1 2022 have been used; 1 $ equals approximately 8.4 SEK for H1 2021, and 1 $ equals approximately 9.6 SEK for H1 2022. All growth figures are based on SEK results figures. 2 Total monetary value of sold products and services through Klarna over a given period of time. we are... partnered with the biggest brands H&M FARFETCH ZARA ebay KENZO SONY Spotify ★macy's Etsy Foot Locker SEPHORA Trusted by the best consumers Trustpilot ★★★★★ 4.4/5 Excellent Supported by leading investors DRAGONEER SEQUOIA wellcome trust SILVERLAKE CPP Investments INVESTMENT GROUP BlackRock. 2 GIC

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