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Klarna Investor Presentation Deck

Klarna can react fast to market changes to steer credit risk as our credit receivables have a short repayment cycle. Renewal of the balance sheet 689 484 333 ........ 252 42 30 20 2019 2020 186 14 2017 2018 Total originated volume (SEKbn) Balance per end of period (SEKbn) 62 2021 837 7 2022 12x Age distribution of credit receivables, from origination 0-3 months 3-12 months 1-2 years 2+ years 73% 16% 8% 3% Klarna. 16% 8% 8% 68% Large Nordic bank (2021)

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