X0206 3 2026-03-12 0 0002003292 Klarna Group plc KLAR 0002099112 Fock David 10 YORK ROAD LONDON X0 SE1 7ND UNITED KINGDOM 0 1 0 0 Chief Product Design Officer Klarna Group plc Ordinary Shares 176838 D Larkan AB Restricted Stock Units Klarna Group plc ordinary shares D Larkan SPV Warrants L4:1 6885.33 2027-09-01 2027-11-15 Klarna Group plc ordinary shares 1052412 D Larkan SPV Warrants L5:2 6885.33 2027-09-01 2027-11-15 Klarna Group plc ordinary shares 1078224 D Larkan SPV Warrants L10:2 6885.33 2028-09-01 2028-11-30 Klarna Group plc ordinary shares 363720 D Klarna Group plc Options 374.25 2024-12-31 2029-06-29 Klarna Group plc ordinary shares 212520 D Klarna Group plc Options 374.25 2025-03-05 2029-09-05 Klarna Group plc ordinary shares 211584 D Klarna Group plc Options 748.5 2026-03-05 2029-09-05 Klarna Group plc ordinary shares 410712 D Klarna Group plc Options 1122.75 2026-03-05 2029-09-05 Klarna Group plc ordinary shares 913020 D Includes 27,000 Klarna Group plc ordinary shares (Shares) purchased on March 9, 2026 in open market transactions at a price per ordinary shares of $14.39 (rounded to cents) for an aggregate consideration of $388,552.14. In addition to the ordinary shares reported in this Form 3, the reporting person beneficially owns a number of the Klarna Group plcs (the Issuer) Class B shares equal to the number of ordinary shares so reported. Represents 14,015 restricted stock units in Larkan AB (Larkan), an indirect subsidiary of Klarna Group plc (the Issuer). Once shares of Larkan are delivered in settlement of the restricted stock units, approximately four shares of Larkan are convertible into one Share. Restricted Stock Units in Larkan vest quarterly, at a total vesting of 25% of the initial grant per year. Represents warrants to acquire 87,701 shares of Larkan IV AB, a direct subsidiary of the Issuer. Each underlying share of Larkan IV AB is convertible into approximately twelve Shares based on a formula set forth in the applicable award agreement, resulting in 1,052,412 Shares being subject to the warrant, that is vesting annually by 20% for a period of four years with an additional 20% vesting on August 27, 2027. Value in SEK Represents warrants to acquire 89,852 shares of Larkan V AB, a direct subsidiary of the Issuer. Each underlying share of Larkan V AB is convertible into approximately twelve Shares based on a formula set forth in the applicable award agreement, resulting in 1,078,224 Shares being subject to the warrant, that is vesting annually by 20% for a period of four years with an additional 20% vesting on August 27, 2027. Represents warrants to acquire 30,310 shares of Larkan X AB, a direct subsidiary of the Issuer. Each underlying share of Larkan X AB is convertible into approximately twelve Shares based on a formula set forth in the applicable award agreement, resulting in 363,720 Shares being subject to the warrant, that is vesting annually in equal installments over a period of four years. Represents an option to acquire Shares that vest in four equal annual installments beginning on the first anniversary of the grant date. Boudien Moerman, as attorney-in-fact 2026-03-12