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Multi-market expansion of Shopping App, Browser Extension ...

Multi-marketexpansionofShoppingApp,Brows erExtensionandPayNow,andunparalleled retailer growth proposition drives signi cant consumeradoption,sales volume, and major brand Global Gross Merchandise Volume1Q3 YTD 2021 at USD to USD in2020 driven by Klarna s growing global active consumer base and enhanced growth proposition forKlarna s 250,000+ retail partners. The US continues to be Klarna s fastest growing market with over 300% GMV growth YTD driven by21m+ consumers. The Klarna app continues to resonate very strongly with US consumers - monthlyactive app users have increased 167% YoY and Klarna consistently ranks in the top 5 Shopping Appsdownloaded across app stores4. The af liate program continues to accelerate especially with asigni cant number of new global partners live, both in-store and online, including Bed Bath & Beyond,PetCo, JCPenney, Wayfair, Calvin Klein, Lululemon, and Footlocker.

Klarna’s ambitious global expansion means we now offer sustainable payments in 20 countries, scaling to 5 new markets in 2021 alone: France, New Zealand, Poland, Ireland, and Portugal. Net Operating Income YTD is USD 1.2bn 2 at Q3 2021compared to USD 742m 3 at Q3 2020

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