Finnish retailing cooperative organisation
The S Group (, ) is a Finnish retailing cooperative organisation with its head office in Helsinki. Founded in 1904, it consists of 19 regional cooperatives operating all around Finland in addition to SOK, "Suomen Osuuskauppojen Keskuskunta" (The Central Finnish Cooperative Society). S Group operates in the markets for groceries, consumer durables, service station, hotel and restaurant services. It is engaged in close competition with Kesko, with which it shares an oligopolistic position in many of the markets it operates in. 
The group has businesses in Finland and Estonia. The S Group also had businesses in Latvia and Lithuania, but announced withdrawal from these markets in May 2017. It also withdrew from the Russian market in 2022.
The organisation's member (loyalty) card is called "S-Etukortti".
Ownership.
A client can invest a small sum on the local co-operative and become a client-owner. (The exact sum is decided by the local co-operative board and varies significantly depending on local conditions.) A client-owner gets a membership card, "S-Etukortti", which functions as a debit or credit card and gives access to special client-owner bargains. For the sums spent in S Group stores, "Bonus" is paid back to the client into the account at S-Bank. The "Bonus" percentage varies from 1% to 5% depending on the sum spent. S-Bank pays an interest that is competitive with interests paid by general banks into savings accounts. "S-Etukortti" is not a regular "loyalty card" as it represents actual monetary investment and the return is formally profit, not discount.
Corporate.
In 2012, 35 Members of Parliament were representatives in the S Group or Tradeka (Siwa) corporate governance.
Local co-operatives.
The S Group consists of 19 regional co-operative enterprises and 7 local co-operative enterprises. In total, these had 2.4 million individual members in 2018, a number that has grown from 1.2 million in 2003. In 2018, 329 million euros of "Bonus" was paid.
Supermarkets.
The S Group operates five distinct chains of supermarkets:
The largest sales revenues are from S-market's (49%) and from Prisma's 39%.
The S Group's supermarkets retail the general private brands "Rainbow" and "Kotimaista" for products made in Finland, and the no-frills "X-tra" range in partnership with — a Nordic purchasing organisation for co-operatives. Non-food products are marketed under the "House" name. 
The S Group has grown significantly in Finland in recent years, growing both organically and by acquisition.
Modernist architecture.
SOK has a key position in the history of Finnish architecture due to its policy in the late 1920s and 1930s of designing cutting-edge Modernist architecture, epitomized by a Functionalist aesthetic of white buildings. The style is called "osuuskauppafunkis" (Co-operative Store Functionalism) in Finland. The key architect designing for SOK in the initial years was Erkki Huttunen (1901–1956), who designed various types of buildings for the company: from grain silos and mills to local village shops. Among his best-known works for SOK are the Toppila mill (1929, "pictured right"), the SOK Offices and Warehouse (1937-38) in Oulu, the SOK Offices and Warehouse (1931) in Rauma, and the Aitta Cooperative Shop (1933) in Sauvo. Today, many of these buildings are protected by law.
Other fields.
The S Group also operates the "Sokos" chain of department stores, "ABC" service stations, the hotel chain "Sokos Hotels", several brands of restaurants such as "Rosso", "Sevilla" and "Amarillo", the "Agrimarket" chain, which sells agricultural and DIY supplies, and a number of car dealerships for Peugeot.
S-Bank.
The S Group operates Finland's first so-called "supermarket bank", the S-Bank (S-Pankki Oy).
References.
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External links.
 Media related to at Wikimedia Commons