Klarna Investor Presentation Deck

Unmatched global reach and strong brand recognition. Klarna's global footprint is driving outsized adoption vs. competitors. # of countries live (2022) 45 Klarna Competitor 1 Competitor 2 Competitor 3 # of active users (2022, global) 150m Klarna Competitor 1 Competitor 2 Competitor 3 # of installs (2022, global) 24m Klarna Competitor 1 Competitor 2 Competitor 3 Competitor data based on latest available public disclosure. Stronger brand recognition enables Klarna further outpaced competitors and attract more consumer attention. Share of Google organic search (2020 to 2022) (Rolling 4 weeks, Global data) 50% 25% 0% Jan 2020 Jan 2021 Jan 2022 Dec 2022 Klarna Competitor 1 Competitor 2 Competitor 3

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