SCHEDULE 13G 0002089330 XXXXXXXX LIVE Ordinary Shares 09/30/2025 0002003292 Klarna Group plc G5279N105 10 York Road London X0 SE1 7ND Rule 13d-1(d) Lux Horizon Holding S.a r.l. N4 0 14979264 0 14979264 14979264 N 4.0 PN Rows 6, 8 and 9: The amount reported represents 14,979,264 Ordinary Shares directly held by Lux Horizon Holding S.a r.l. and beneficially owned by Victor Jacobsson following the transfer of all such Ordinary Shares from Stenbranten Holding AB to Lux Horizon Holding S.a r.l. following the IPO. Each of the foregoing persons have shared dispositive and voting powers. Row 11: The aggregate percentage of shares reported owned by each person named in the tables herein is based upon 377,255,045 ordinary shares ("Ordinary Shares") of the Issuer, which is the total number of Ordinary Shares outstanding as of the completion of the Issuer's initial public offering (the "IPO"), as reported on the Issuer's final prospectus dated September 9, 2025 filed pursuant to Rule 424(b)(4) with the Securities and Exchange Commission on September 10, 2025. Northbridge S.a r.l. N4 0 2959176 0 2959176 2959176 N 0.8 PN Rows 6, 8 and 9: The amount reported represents 2,959,176 Ordinary Shares directly held by Northbridge S.a r.l. and beneficially owned by TTS Pass AB and Victor Jacobsson following the distribution of all such Ordinary Shares from TTS Pass A AB, an entity controlled by Victor Jacobsson, to Northbridge S.a r.l. following the IPO. Each of the foregoing persons have shared dispositive and voting powers. Row 11: See Note to Row 11 for Lux Horizon Holding S.a r.l. Krokusvik Holding AB V7 0 861463 0 861463 861463 N 0.2 PN Rows 6, 8 and 9: The amount reported represents 861,463 Ordinary Shares directly held by Krokusvik Holding AB and beneficially owned by Victor Jacobsson following the distribution of 1,468,937 Ordinary Shares by Krokusvik Holding AB to limited partners following the IPO. Each of the foregoing persons have shared dispositive and voting powers. Row 11: See Note to Row 11 for Lux Horizon Holding S.a r.l. Kraftdalen Holding AB V7 0 3192444 0 3192444 3192444 N 0.8 PN Rows 6, 8 and 9: The amount reported represents 3,192,444 Ordinary Shares directly held by Kraftdalen Holding AB and beneficially owned by Victor Jacobsson with respect to which each of the foregoing persons have shared dispositive and voting powers. Row 11: See Note to Row 11 for Lux Horizon Holding S.a r.l. TTS Pass AB V7 0 4552051 0 4552051 4552051 N 1.2 PN Rows 6, 8 and 9: The amount reported represents (1) 1,358,389 Ordinary Shares directly held by TTS Pass AB and beneficially owned by Victor Jacobsson following the sale of 723,743 Ordinary Shares by TTS Pass AB in the IPO and subsequent exercise in full by the underwriters of the underwriters' option to purchase additional Ordinary Shares, (2) 234,486 Ordinary Shares directly held by TTS Pass B AB and beneficially owned by TTS Pass AB and Victor Jacobsson following the distribution of 153,474 Ordinary Shares by TTS Pass B AB to limited partners following the IPO and (3) 2,959,176 Ordinary Shares directly held by Northbridge S.a r.l. and beneficially owned by TTS Pass AB and Victor Jacobsson following the distribution of all such Ordinary Shares from TTS Pass A AB, an entity controlled by Victor Jacobsson, to Northbridge S.a r.l. following the IPO. Each of the foregoing persons have shared dispositive and voting powers. Row 11: See Note to Row 11 for Lux Horizon Holding S.a r.l. Svalviken Holding AB V7 0 79933 0 79933 79933 N 0.0 PN Rows 6, 8 and 9: The amount reported represents 79,933 Ordinary Shares directly held by Svalviken Holding AB and beneficially owned by Victor Jacobsson following the distribution of 1,553,987 Ordinary Shares by Svalviken Holding AB to limited partners following the IPO. Each of the foregoing persons have shared dispositive and voting powers. Row 11: See Note to Row 11 for Lux Horizon Holding S.a r.l. K Opportunity AB V7 0 256442 0 256442 256422 N 0.1 PN Rows 6, 8 and 9: The amount reported represents 256,422 Ordinary Shares directly held by K Opportunity AB and beneficially owned by Victor Jacobsson following the sale of 7,600 Ordinary Shares by K Opportunity AB in the IPO and subsequent exercise in full by the underwirters of the underwriters' option to purchase additional Ordinary Shares and the distribution of 1,029,338 Ordinary Shares by K Opportunity AB to limited partners following the IPO. Each of the foregoing persons have shared dispositive and voting powers. Row 11: See Note to Row 11 for Lux Horizon Holding S.a r.l. TTS Pass B AB V7 0 234486 0 234486 234486 N 0.1 PN Rows 6, 8 and 9: The amount reported represents 234,486 Ordinary Shares directly held by TTS Pass B AB and beneficially owned by TTS Pass AB and Victor Jacobsson following the distribution of 153,474 Ordinary Shares by TTS Pass B AB to limited partners following the IPO. Each of the foregoing persons have dispostive and voting powers. Row 11: See Note to Row 11 for Lux Horizon Holding S.a r.l. Algbranten Holding AB V7 0 190713 0 190713 190713 N 0.1 PN Rows 6, 8 and 9: The amount reported represents 190,713 Ordinary Shares directly held by Algbranten Holding AB and beneficially owned by Victor Jacobsson following the sale of 503,000 Ordinary Shares by Algbranten Holding AB in the IPO and subsequent exercise in full by the underwriters of the underwriters' option to purchase additional Ordinary Shares and the distribution of 93,713 Ordinary Shares from Svalviken Holding AB, an entity controlled by Victor Jacobsson, following the IPO. Row 11: See Note to Row 11 for Lux Horizon Holding S.a r.l. Victor Jacobsson V7 1200 24112290 1200 24112290 24113490 N 6.4 IN Rows 6, 8 and 9: The amount reported represents (1) 1,200 Ordinary Shares directly held by Victor Jacobsson, (2) 1,358,389 Ordinary Shares directly held by TTS Pass AB and beneficially owned by Victor Jacobsson following the sale of 723,743 Ordinary Shares by TTS Pass AB in the IPO and subsequent exercise in full by the underwriters of the underwriters' option to purchase additional Ordinary Shares, (3) 190,713 Ordinary Shares directly held by Algbranten Holding, AB and beneficially owned by Victor Jacobsson following the sale of 503,000 Ordinary Shares by Algbranten Holding AB in the IPO and subsequent exercise in full by the underwriters of the underwriters' option to purchase additional Ordinary Shares and the distribution of 93,713 Ordinary Shares from Svalviken Holding AB, an entity controlled by Victor Jacobsson, following the IPO, (4) 0 Ordinary Shares directly held by Talces AB and beneficially owned by Victor Jacobsson following the sale of 67,740 Ordinary Shares by Talces AB in the IPO and subsequent exercise in full by the underwriters of the underwriters' option to purchase additional Ordinary Shares, (5) 256,422 Ordinary Shares directly held by K Opportunity AB and beneficially owned by Victor Jacobsson following the sale of 7,600 Ordinary Shares by K Opportunity AB in the IPO and subsequent exercise in full by the underwriters of the underwriters' option to purchase additional Ordinary Shares and the distribution of 1,029,338 Ordinary Shares by K Opportunity AB to limited partners following the IPO, (6) 861,463 Ordinary Shares directly held by Krokusvik Holding AB and beneficially owned by Victor Jacobsson following the distribution of 1,468,937 Ordinary Shares by Krokusvik Holding AB to limited partners following the IPO, (7) 79,933 Ordinary Shares directly held by Svalviken Holding AB and beneficially owned by Victor Jacobsson following the distribution of 1,553,987 Ordinary Shares by Svalviken Holding AB to limited partners following the IPO, (8) 234,486 Ordinary Shares directly held by TTS Pass B AB and beneficially owned by TTS Pass AB and Victor Jacobsson following the distribution of 153,474 Ordinary Shares by TTS Pass B AB to limited partners following the IPO, (9) 2,959,176 Ordinary Shares directly held by Northbridge S.a r.l. and beneficially owned by TTS Pass AB and Victor Jacobsson following the distribution of all such Ordinary Shares from TTS Pass A AB, an entity controlled by Victor Jacobsson, to Northbridge S.a r.l. following the IPO, (10) 14,979,264 Ordinary Shares directly held by Lux Horizon Holding S.a r.l. and beneficially owned by Victor Jacobsson following the distribution of all such Ordinary Shares from Stenbranten Holding AB, an entity controlled by Victor Jacobsson, to Lux Horizon Holding S.a r.l. following the IPO, and (11) 3,192,444 Ordinary Shares directly held by Kraftdalen Holding AB and beneficially owned by Victor Jacobsson with respect to which each of the foregoing persons have shared dispositive and voting powers. Row 11: See Note to Row 11 for Lux Horizon Holding S.a r.l. Klarna Group plc 10 York Road, London SE1 7ND, United Kingdom 1. Lux Horizon Holding S.a r.l. 2. Northbridge S.a r.l. 3. Krokusvik Holding AB 4. TTS Pass AB 5. Kraftdalen Holding AB 6. Svalviken Holding AB 7. K Opportunity AB 8. TTS Pass B AB 9. Algbranten Holding AB 10. Victor Jacobsson Norrlandsgatan, 15 Floor 6, Stockholm, Sweden 11143 Swedish Y 24,113,490 6.4 1,200 24,112,290 1,200 24,112,290 Y Y Y N By virtue of the relationships as described above in Item 4, the Reporting Persons may be deemed to be a group. Exhibits. Joint Filing Agreement dated November 12, 2025, by and among Victor Jacobsson, TTS Pass B AB, Northbridge S.a r.l., Lux Horizon Holding S.a r.l., K Opporunity AB, Krokusvik Holding AB, Svalviken Holding AB, Kraftdalen Holding AB, TTS Pass AB and Algbranten Holding AB. Y Y Lux Horizon Holding S.a r.l. /s/ Christine Collado 11/12/2025 /s/ Andreas Thors 11/12/2025 Northbridge S.a r.l. /s/ Christine Collado 11/12/2025 /s/ Andreas Thors 11/12/2025 Krokusvik Holding AB /s/ Victor Jacobsson 11/12/2025 Kraftdalen Holding AB /s/ Mikael Walther 11/12/2025 TTS Pass AB /s/ Mikael Walther 11/12/2025 /s/ Helena Hernander 11/12/2025 Svalviken Holding AB /s/ Victor Jacobsson 11/12/2025 K Opportunity AB /s/ Victor Jacobsson 11/12/2025 TTS Pass B AB /s/ Mikael Walther 11/12/2025 Algbranten Holding AB /s/ Nils Hakansson 11/12/2025 Victor Jacobsson /s/ Victor Jacobsson 11/12/2025