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Klarna Investor Presentation Deck

Full year 2022 results. Continuing to outperform peers and ecommerce growth, especially in the US. Gross merchandise volume SEK 837bn +22% FY22 YoY Adjusted operating result (SEKbn) H122 -5.02 H2 22 -2.79 44% improvement in just 6 months Revenue SEK 19bn +21% FY22 YoY Global credit losses as a % of GMV Q421 Q122 Q222 Q322 Q422 31% improvement since Q4 21 Klarna US performance beating targets. GMV +71% FY22 YOY US Credit loss rates reduced 58% Q422 YOY

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