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Klarna Investor Presentation Deck

Consumers are moving their spend to Klarna over time. Average # of Orders by Consumer Cohort in Sweden 2016 H1 100 2017 H1 H1 2019 Purchase Frequency Growth Index Growth Markets 2018 H1 Established Markets H2 2019 2019 H1 H1 2020 2020 H1 H2 2020 6 YEAR+ ~35x ~22x ~18x ~15x ~13x ~12x <1 YEAR ~7x 2021 H1 286 164 H1 2021 And customer satisfaction remains high. Klarna Net Promoter Score grows as markets mature and remains steady in the good to world class percentiles. 72 Average US NPS *Source: Retently 65 Average SE NPS The average NPS for banks is 34* Above 50 is considered excellent Bain & Co K.

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