Stockholm, 30 September, 2025 - Klarna Holding AB (a subsidiary of Klarna Group Plc) has been notified of the conclusion of the Swedish Financial Supervisory Authority’s (SFSA) annual Supervisory Review and Evaluation Process (SREP) for 2025. The SFSA conducts these reviews annually across the Swedish banking industry in accordance with European banking rules.
Klarna Group Plc ensures all its subsidiary entities maintain capital in excess of any regulatory needs. As of 30 September 2025, Klarna Holding AB holds about 22% total capital, compared to the guidance of 17.5%.
The SFSA review confirmed the following requirements and guidance:
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A Pillar 2 requirement (P2R) of 1.07 per cent, whereof at least 0.6 per cent shall be met with Common Equity Tier 1 (CET1) capital.
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A risk-weight based Pillar 2 guidance (P2G) of 5.0 per cent of total risk exposure (REA) amount and 2.25 per cent of the exposure for the leverage ratio-based P2G. The P2G shall be covered by CET1 capital.
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The Pillar 2 liquidity requirements for significant currencies were 100 per cent for EUR and 75 per cent for SEK.
The decision is applicable as of 30 September.