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Klarna Investor Presentation Deck

In-app shopping is a high growth volume segment. E-commerce volume by channel projected growth (2018-2023) 125% 0% In-store Sources: Emarketer, Sensor Tower, Business Wire Web In-app And Klarna is well placed to capture growth. Global Cumulative App Downloads H1 2018 - H1 2021 36m Klarna 235% CAGR 13m Klarna <0.5x US Cumulative App Downloads H1 2018 - H1 2021 Source: App Annie Competitor 1 137% CAGR ~0.7x <0.3x Competitor 1 Competitor 2 63% CAGR ~0.6x Competitor 2 <0.2x Competitor 3 ~0.4x Competitor 3 <0.1x Competitor 4 <0.2x Competitor 4

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