Klarna Investor Presentation Deck

Strong financial growth across the board. 53% Gross merchandise volume YoY growth 40% Total net operating income YOY growth 38.9% (22.3) CET1 ratio³ USD 39bn Gross merchandise volume SEK 328bn¹ (215bn)² USD 755m Total net operating income SEK 6,345m (4,518m) (22bn) (466m) The information is presented for Klarna Bank AB (publ). ¹Klarna's results are reported in SEK. To arrive at USD values, average exchange rates over the period have been used. 1 USD equals approximately 8.4 SEK for the first six months of 2021. All percentages are calculated on a SEK basis. 2 Klarna'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 of 2020. All percentages are calculated on a SEK basis. 3 Consolidated Group CET1

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