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Form 3 Klarna Group plc For: Mar 18 Filed by: Siemiatkowski Sebastian

March 18, 2026 9:28 AM
FORM 3 UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940
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1. Name and Address of Reporting Person *
Siemiatkowski Sebastian

(Last) (First) (Middle)
10 YORK ROAD

(Street)
LONDON SE1 7ND

(City) (State) (Zip)
2. Date of Event Requiring Statement (Month/Day/Year)
03/18/2026
3. Issuer Name and Ticker or Trading Symbol
Klarna Group plc [ KLAR ]
4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
X Director 10% Owner
X Officer (give title below) Other (specify below)
Chief Executive Officer
5. If Amendment, Date of Original Filed (Month/Day/Year)
6. Individual or Joint/Group Filing (Check Applicable Line)
X Form filed by One Reporting Person
Form filed by More than One Reporting Person
Table I - Non-Derivative Securities Beneficially Owned
1. Title of Security (Instr. 4) 2. Amount of Securities Beneficially Owned (Instr. 4) 3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5) 4. Nature of Indirect Beneficial Ownership (Instr. 5)
Klarna Group plc Ordinary Shares 24,651,816 (1)
I
Flat Capital AB (publ) (1)
Table II - Derivative Securities Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 4) 2. Date Exercisable and Expiration Date (Month/Day/Year) 3. Title and Amount of Securities Underlying Derivative Security (Instr. 4) 4. Conversion or Exercise Price of Derivative Security 5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5) 6. Nature of Indirect Beneficial Ownership (Instr. 5)
Date Exercisable Expiration Date Title Amount or Number of Shares
Klarna Group plc Options 12/31/2024 11/15/2027 Klarna Group plc Ordinary Shares 990,504 (2) 573.78 (10) D
Klarna Group plc Options 12/31/2024 11/15/2027 Klarna Group plc ordinary shares 1,014,792 (2) 573.78 (10) D
Klarna Group plc Options 06/27/2025 11/30/2028 Klarna Group plc ordinary shares 641,256 (3) 573.78 (10) D
Klarna Group plc Options (4) 06/29/2029 Klarna Group plc Class C Shares (5) 2,941,236 187.13 (6) (10) D
Klarna Group plc Options (4) 09/05/2029 Klarna Group plc Class C Shares (5) 2,941,236 187.13 (6) (10) D
Klarna Group plc Options 03/05/2026 09/05/2029 Klarna Group plc Class C Shares (5) (7) 4,519,020 374.25 (8) (10) D
Klarna Group plc Options 03/05/2026 09/05/2029 Klarna Group plc Class C Shares (5) (7) 10,045,416 561.38 (9) (10) D
Explanation of Responses:
1. Of the shareholding held via Flat Capital AB, 87,420 Klarna Group ordinary shares are held directly by Flat Capital AB, while the remaining 24,564,396 Klarna Group ordinary shares are indirectly owned by Double Sunday AB, fully controlled by Flat Capital AB. In addition to the ordinary shares reported in this Form 3, the aforementioned entities own a number of the Klarna Group plcs (the Issuer) Class B shares by virtue of ultimate beneficial ownership. Each Class B share is entitled to 10 votes per share. Class B shares are not transferable and are not exchangeable for or convertible into ordinary shares.
2. Represents an option to acquire Shares that vest in annual installments of 20% as of the deemed date of grant with the remaining 20% vesting on August 27, 2027.
3. Represents an option to acquire Shares that vest in four equal annual installments as of the deemed date of grant.
4. Fully vested on the date of grant.
5. Each Klarna Group plc Class C Share (Class C Share) is entitled to ten votes, is convertible into one-half of a Klarna Group plc ordinary share (and one deferred share that has no economic value).
6. Exercise price represents a per Klarna Group plc ordinary share exercise price of SEK 374.26.
7. Vests in four equal annual installments on each anniversary of the date of grant.
8. Exercise price represents a per Klarna Group plc ordinary share exercise price of SEK 748.5.
9. Exercise price represents a per Klarna Group plc ordinary share exercise price of SEK 1,122.76.
10. This is in SEK.
Boudien Moerman, as attorney-in-fact 03/18/2026
** Signature of Reporting Person Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
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