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Klarna Investor Presentation Deck

* H2 2022 restructuring initiatives have delivered. Adjusted indirect costs progression 86% 3.1 Q4 21 YoY Growth Indirect costs (SEKbn)* 62% 2.5 Q1 22 48% 2.8 Q2 22 1.9 -5% Q3 22 -24% Q4'22 YOY decreased in adjusted indirect costs 2.4 Q4 22 -24% Quarterly indirect costs excluding (a) Restructuring costs; (b) Share-based payments and related payroll taxes and; (c) Depreciation and amortization. 241 Shop with Klarna JD

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