HOW ARE THE FIGURES CALCULATED? Product and service benefits: The figures are based on the total number of discounts received by the customer owner households concentrating on the S Group during 01/2021 - 08/2021, from which they are divided into different demographic customer segments and proportioned to a total of 12 months. The discounts include discounts for the grocery and home and specialty goods trade and the restaurant business, which have required membership in the customer-owner economy. In addition to discounts, the figures also include the calculated benefit of S-Bank's free daily banking services compared to the price prices of daily banking services of the three largest players in Finland (Nordea, OP, Danske Bank) and the reported average benefit at the customer level. In a multi-person economy, the benefit is taken into account at the economic level by multiplying the difference by the number of adult members of the economy. Up-to-date prices for banking services can be found at: https://www.s-pankki.fi/fi/tule-asiakkaaksi/hyotylaskurkur/hyotylaskurin-laskelmat/ Bonus and payment method benefit: The figures are based on the total amount of purchase credits, ie Bonuses and Payment Benefits, paid to the S Group's outlets during the period 01/2020 - 12/2020, which concentrate their purchases of groceries, from which they are divided into different demographic customer segments. S -hmä.fi | Tavarantoimittajille | Työpaikat | Yhteishyvä | S-Pankki | S-ryhmän osuuskaupat | Asiakasomistajajärjestelmän säännöt | S-ryhmän tietosuoja | Tietosuoja: asiakasomistajuus ja S-Etukortti | Evästeinformaatio | S-mobiilin käyttöehdot | Muuta evästeasetuksia | Asiakasomistaja- ja asiakasrekisteri