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Klarna Business Update

Positive long-term trends in consumer activity and experience. 7,500 5,000 2,500 Volume per consumer Volume (SEK) per active consumer and period 2016 H1 2017 H1 2.5x vs 2016 H1 2018 2019 H1 H1 Sweden. 2020 H1 100 Late fees Indexed late fees as share of volume. Late fees are def as fees that originate from consumers not paying on time. 2013 2014 2015 2016 2017 2018 2019 17 2020 H1 Yearly volume per active consumer increases steadily. Late fees as a share of volume decreases as the Klarna app provides tools to help consumers take control over their personal finances.

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