Klarna Investor Update

The US is Klarna's fastest growing key market. #2 Largest market by revenue 30m Consumers 6.3x Purchase frequency H122 2X H1 2022 GMV vs H1 2021 60% Brand awareness 30% Reduction of credit loss as a percentage of GMV vs H1 2021 MODE NOIR Home in Shaw My stores Payments Featured stores Purchases Deliveries BRITE Exposici History Shop with Klarna Q Search for brands or products Saved SUMMER VIBES MODE NOIR Shop online K. Referral Saved My Klarna in-store Elite Deals CO₂ emissions View all Ad One-time card Rewards More 1x 5

View entire presentation