Klarna Investor Presentation Deck

Continuous volume growth whilst making active credit decisions. 31% improvement in Global Credit losses rate while GMV is up 19% YoY in Q422 GMV (SEKbn) Loss as % GMV 203 0.84 Q4 21 187 0.64 Q1 22 209 0.80 Q2 22 199 0.74 Q3 22 242 0.58 Q4 22

View entire presentation