About this report In accordance with the Annual Accounts Act for Credit Institutions and Securities Companies (ÅRKL in conjunction with the Annual Accounts Act (1995:1554) chapter 7, 31 b§ and chapter 6, 11§, implementing the EU Directive 2014/95, Klarna Holding AB (publ) has decided to report its environmental, social, and governance strategies, progress, activities, and performance in this Environment, Social and Governance (ESG) report separated from the annual report.