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Finland has the highest concentration of cooperatives relative to its population.[158] The largest retailer, which is also the largest private employer, S-Group, and the largest bank, OP-Group, in the country are both cooperatives.
The free and largely privately owned financial and physical Nordic energy markets traded in NASDAQ OMX Commodities Europe and Nord Pool Spot exchanges, have provided competitive prices compared with other EU countries. As of 2022, Finland has the lowest non-household electricity prices in the EU.[160]
In 2021, the energy market was around 87 terawatt hours and the peak demand around 14 gigawatts in winter.[161][162] Industry and construction consumed 43.5% of total consumption, a relatively high figure reflecting Finland's industries.[161] Finland's hydrocarbon resources are limited to peat and wood. About 18% of the electricity is produced by hydropower[161] In 2021, renewable energy (mainly hydropower and various forms of wood energy) was high at 43% compared with the EU average of 22% in final energy consumption.[163] About 20% of electricity is imported, especially from Sweden due to its lower cost there.[164] As of February 2022, Finland's strategic petroleum reserves held 200 days worth of net oil imports in the case of emergencies.[165]
Finland has five privately owned nuclear reactors producing 40% of the country's energy.[159] The Onkalo spent nuclear fuel repository is currently under construction at the Olkiluoto Nuclear Power Plant in the municipality of Eurajoki, on the west coast of Finland, by the company Posiva.[167]
Finland's road system is utilized by most internal cargo and passenger traffic. The annual state operated road network expenditure of around €1 billion is paid for with vehicle and fuel taxes which amount to around €1.5 billion and €1 billion, respectively. Among the Finnish highways, the most significant and busiest main roads include the Turku Highway (E18), the Tampere Highway (E12), the Lahti Highway (E75), and the ring roads (Ring I and Ring III) of the Helsinki metropolitan area and the Tampere Ring Road of the Tampere urban area.[168]
The main international passenger gateway is Helsinki Airport, which handled about 21 million passengers in 2019 (5 million in 2020 due to COVID-19 pandemic). Oulu Airport is the second largest with 1 million passengers in 2019 (300,000 in 2020), whilst another 25 airports have scheduled passenger services.[169] The Helsinki Airport-based Finnair, Blue1, and Nordic Regional Airlines, Norwegian Air Shuttle sell air services both domestically and internationally.