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Klarna Business Update

Financial information. 44% Gross merchandise volume - H1 2020 vs. H1 2019 37% Total net operating income H1 2020 vs. H1 2019 22.3% CET1 ratio - June 2020 (13.3) 215bn (148) Gross merchandise volume - USD 22bn¹ (16)² 4,557m Total net operating income - USD 470m¹ (358)² (3,329) ¹ Klarna Holding AB's results are reported in SEK. To arrive at USD values, the average exchange rates YTD have been used; 1 USD equals approximately 9.7 SEK for the first six months 2020. 2 Klarna Holding AB's results are reported in SEK. To arrive at USD values, the average exchange rates YTD have been used; 1 USD equals approximately 9.3 SEK for the first six months 2019. ARNA Jan 50 22029 ARE K.

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