SCHEDULE 13G 0002090555 XXXXXXXX LIVE Ordinary Shares 09/30/2025 0002003292 Klarna Group plc G5279N105 10 York Road London X0 7ND Rule 13d-1(d) Heartland A/S G7 0.00 29652586.00 0.00 29652586.00 29652586.00 N 7.86 CO Row 6, 8 and 9: This Schedule 13G is filed by Heartland A/S, Aktieselskabet af 20.3.2020 and Anders Holch (together, the "Reporting Persons"). The securities reported in this Schedule 13G are directly held by Aktieselskabet af 20.3.2020. Heartland A/S and Mr. Povlsen may be deemed to have voting and dispositive power with respect to the securities. Row 11: The reported percentage is calculated based on 377,489,269 Ordinary Shares outstanding as of November 4, 2025, based on information provided by the Issuer. Aktieselskabet af 20.3.2020 G7 0.00 29652586.00 0.00 29652586.00 29652586.00 N 7.86 CO Row 6, 8 and 9: This Schedule 13G is filed by the Reporting Persons. The securities reported in this Schedule 13G are directly held by Aktieselskabet af 20.3.2020. Heartland A/S and Mr. Povlsen may be deemed to have voting and dispositive power with respect to the securities. Row 11: The reported percentage is calculated based on 377,489,269 Ordinary Shares outstanding as of November 4, 2025, based on information provided by the Issuer. Anders Holch Povlsen G7 0.00 29652586.00 0.00 29652586.00 29652586.00 N 7.86 IN Row 6, 8 and 9: This Schedule 13G is filed by the Reporting Persons. The securities reported in this Schedule 13G are directly held by Aktieselskabet af 20.3.2020. Heartland A/S and Mr. Povlsen may be deemed to have voting and dispositive power with respect to the securities. Row 11: The reported percentage is calculated based on 377,489,269 Ordinary Shares outstanding as of November 4, 2025, based on information provided by the Issuer. Klarna Group plc 10 York Road, London, United Kingdom, SE1 7ND Heartland A/S Aktieselskabet af 20.3.2020 Anders Holch Povlsen The address of the principal business office of the Reporting Persons is Store Torv 1 3, Aarhus C, 8000, Denmark. The citizenship of each of the Reporting Persons is Denmark. Y See Row 9 of the cover page for each Reporting Person. See Row 11 of the cover page for each Reporting Person. See Row 5 of the cover page for each Reporting Person. See Row 6 of the cover page for each Reporting Person. See Row 7 of the cover page for each Reporting Person. See Row 8 of the cover page for each Reporting Person. Y Y Y Y Y Y Exhibit 99.1 - RULE 13d-1(k)(1) AGREEMENT Heartland A/S /s/ Lise Kaae 11/14/2025 Aktieselskabet af 20.3.2020 /s/ Lise Kaae 11/14/2025 Anders Holch Povlsen /s/ Anders Holch Povlsen 11/14/2025