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Klarna Investor Presentation Deck

Klarna's consistent track record of growth. We have outpaced global and US e-commerce growth for the past 3 years US GMV in H1 2021 outperforms full year 2020 sales 116 H1 2018 Klarna GMV (SEKb) 49% Global Klarna volumes CAGR *Source: Statista, 2018-2020 CAGR Klarna Global GMV - H1 149 H1 2019 Klarna CAGR 2YR 36% 20% 215 H1 2020 49% 328 H1 2021 Global retail e-commerce CAGR 2YR 20% Global retail e-commerce CAGR* 0.5/1.3 FY H1 2018 1.4/6 FY Klarna US GMV - H1 H1 2019 Klarna US GMV H1 (SEKb) 334% Klarna US volumes CAGR 267% 1 22 FY 7 H1 2020 Klarna US GMV FY (SEKb) 334% 27 H1 2021 Klarna CAGR 2YR 23% US retail e-commerce CAGR*

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