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Swedish Consumer Cooperation and

The Swedish Cooperative Union

KF Group

Established 1899

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Co-operative Sweden

Retailing KF, Coop Sverige and local co-op societies

Petrol OK

Insurance Folksam

Housing HSB and Riksbyggen

Agriculture LRF and branch societies

Child/elderly care local co-operatives

Burial society Fonus

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Swedish Consumer Cooperation

2.9 million members 60 local cooperative societies About 900 sales outlets in Sweden About 19 500 employees

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During more than a 100 years a constantly increasing number of members in Sweden Net increas 2004 was 63,637 members and the total number of members is 2 940 094

0

500

1000

1500

2000

2500

3000

3500

1900

1905

1910

1915

1920

1925

1930

1935

1940

1945

1950

1955

1960

1965

1970

1975

1980

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No in thousands

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Consumer cooperation´s business concept(adopted at the Jubilee Congress in June 1999)

Cooperation means members working together in an organised manner for the purpose of creating economic and other added value for everyone.

The aim of consumer cooperation is to enable members to contribute through their consumption towards a society which is characterised by economic development, ecological sustainability, mutual reliance and cooperation.

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Societies, KF, Coop Nordenand business activities Coop Norden operates all stores, supermarkets

and hypermarkets in southern and middle Sweden (green area)

About 60 percent of the members live in these areaswith 5 large cooperative societies

About 40 percent of the members have their membership in 55 consumer cooperative societies in other parts of Sweden (grey area)

These societies operate their own retail chains

The retail chains are supplied by Coop Norden and they cooperate on formats etc. according to agreements

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Kooperativa Förbundet, KF Group

Owners:2,9 million members

in 60 societies

KF Invest Coop Norden42%

KF MediaMedMera(member card)

KF Real Estate

Subsidiaries Associated company

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KF Group Profit/loss after financial itemsSEK million

-662

-281

228

1 084

2001 2002 2003 2004

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Debt/equity ratioTimes

1,10

0,53

0,37

0,01

2001-12-31 2002-12-31 2003-12-31 2004-12-31

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KF’s mission

The national association of the cooperative societies

Main owner of Coop Norden AB and other businesses Business development in order to provide the membership

with further added values

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The membership card Coop MedMera

The most used membership card in Sweden is the Coop MedMera card

As a member the cardholder has access to a bonus scheme and other member benefits when buying in more than 1 100 stores in Sweden

A paying account and a credit account can be connected to the card

A monthly magazine called Mersmak is distributed free to the members