Klarna Investor Update

Klarna's global footprint driving outsized consumer adoption vs competitors. Global App Downloads (in millions) 5.8 Klarna 7.2 40% US share of global Klarna app downloads (H1 2022) Downloads source: AppAnnie 2.0 2.2 Q1'22 40% more app downloads vs closest competitors in H1 2022 Competitor 1. +67% More app downloads in H1 2022 than competitors in the US Q2'22 1.6 1.8 Competotor 2 3x App users purchase frequency vs non-app users All types of retailers partner with Klarna. 450k+ Global retail Partners across 15+verticals New partnerships M&S NESPRESSO PHILIPS ELGIGANTEN SONY ASUS EST. 1884 LEGO 300m Clicks to Global Retailers in H1 2022 ToysЯus Zappos CALZEDONIA ebay AÉROPOSTALE dyson Canon Pepe Jeans adidas FOREVER 21 COS Timberland SAMSUNG ZADIG & VOLTAIRE Wolt Discovery Dr. AirWair Martens PUMA Expedia Hotels.com™ HACKETT LONDON 49/100 of the US National Retail Federation's Top 100s partner with Klarna Kiehl's GNC 7

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