Klarna Investor Presentation Deck

Klarna continues to grow - even as e-commerce rate has slowed. 2022 Global e-commerce, salesforce shopping index Klarna Global GMV, YOY Growth 0.64% -1% Q1 22 19% 0.80% -4% 22% Q2 22 0.74% -3% 26% Q3 22 Credit loss rate 0.58% -0% Q4 22 19%

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