<xbrl xmlns="http://www.xbrl.org/2003/instance" xmlns:fi_MC="http://www.suomi.fi/xbrl/crr/dict/dom/MC" xmlns:fi_RF="http://www.suomi.fi/xbrl/crr/dict/dom/RF" xmlns:fi_SC="http://www.suomi.fi/xbrl/crr/dict/dom/SC" xmlns:fi_dim="http://www.suomi.fi/xbrl/crr/dict/dim" xmlns:fi_met="http://www.suomi.fi/xbrl/crr/dict/met" xmlns:iso4217="http://www.xbrl.org/2003/iso4217" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:negated="http://www.xbrl.org/2009/role/negated" xmlns:net="http://www.xbrl.org/2009/role/net" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:num="http://www.xbrl.org/dtr/type/numeric" xmlns:vk_mod_oytp_gaap_ind="http://www.valtiokonttori.fi/xbrl/crr/fws/oytp/kpl-2016-12/2019-03-28/mod/oytp_gaap_ind" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xl="http://www.xbrl.org/2003/XLink" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://xbrl.org/2006/xbrldi xbrldi-2006.xsd">
    <link:schemaRef xlink:href="http://www.valtiokonttori.fi/fi/fr/xbrl/crr/fws/oytp/kpl-2016-12/2019-03-28/mod/oytp_gaap_ind.xsd" xlink:type="simple"/>
    <context id="_ctx1">
        <entity>
            <identifier scheme="http://ytj.fi">0778268-2</identifier>
        </entity>
        <period>
            <instant>2025-06-30</instant>
        </period>
    </context>
    <context id="_ctx2">
        <entity>
            <identifier scheme="http://ytj.fi">0778268-2</identifier>
        </entity>
        <period>
            <instant>2025-06-30</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x673</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx43">
        <entity>
            <identifier scheme="http://ytj.fi">0778268-2</identifier>
        </entity>
        <period>
            <instant>2024-09-11</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x673</xbrldi:explicitMember>
            <xbrldi:explicitMember dimension="fi_dim:REF">fi_RF:x53</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx7">
        <entity>
            <identifier scheme="http://ytj.fi">0778268-2</identifier>
        </entity>
        <period>
            <instant>2025-06-30</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x755</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx48">
        <entity>
            <identifier scheme="http://ytj.fi">0778268-2</identifier>
        </entity>
        <period>
            <instant>2024-09-11</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x755</xbrldi:explicitMember>
            <xbrldi:explicitMember dimension="fi_dim:REF">fi_RF:x53</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx8">
        <entity>
            <identifier scheme="http://ytj.fi">0778268-2</identifier>
        </entity>
        <period>
            <instant>2025-06-30</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x544</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx49">
        <entity>
            <identifier scheme="http://ytj.fi">0778268-2</identifier>
        </entity>
        <period>
            <instant>2024-09-11</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x544</xbrldi:explicitMember>
            <xbrldi:explicitMember dimension="fi_dim:REF">fi_RF:x53</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx9">
        <entity>
            <identifier scheme="http://ytj.fi">0778268-2</identifier>
        </entity>
        <period>
            <instant>2025-06-30</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x10</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx50">
        <entity>
            <identifier scheme="http://ytj.fi">0778268-2</identifier>
        </entity>
        <period>
            <instant>2024-09-11</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x10</xbrldi:explicitMember>
            <xbrldi:explicitMember dimension="fi_dim:REF">fi_RF:x53</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx10">
        <entity>
            <identifier scheme="http://ytj.fi">0778268-2</identifier>
        </entity>
        <period>
            <instant>2025-06-30</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x758</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx51">
        <entity>
            <identifier scheme="http://ytj.fi">0778268-2</identifier>
        </entity>
        <period>
            <instant>2024-09-11</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x758</xbrldi:explicitMember>
            <xbrldi:explicitMember dimension="fi_dim:REF">fi_RF:x53</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx11">
        <entity>
            <identifier scheme="http://ytj.fi">0778268-2</identifier>
        </entity>
        <period>
            <instant>2025-06-30</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x6</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx52">
        <entity>
            <identifier scheme="http://ytj.fi">0778268-2</identifier>
        </entity>
        <period>
            <instant>2024-09-11</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x6</xbrldi:explicitMember>
            <xbrldi:explicitMember dimension="fi_dim:REF">fi_RF:x53</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx13">
        <entity>
            <identifier scheme="http://ytj.fi">0778268-2</identifier>
        </entity>
        <period>
            <instant>2025-06-30</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x8</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx54">
        <entity>
            <identifier scheme="http://ytj.fi">0778268-2</identifier>
        </entity>
        <period>
            <instant>2024-09-11</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x8</xbrldi:explicitMember>
            <xbrldi:explicitMember dimension="fi_dim:REF">fi_RF:x53</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx14">
        <entity>
            <identifier scheme="http://ytj.fi">0778268-2</identifier>
        </entity>
        <period>
            <instant>2025-06-30</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x9</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx55">
        <entity>
            <identifier scheme="http://ytj.fi">0778268-2</identifier>
        </entity>
        <period>
            <instant>2024-09-11</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x9</xbrldi:explicitMember>
            <xbrldi:explicitMember dimension="fi_dim:REF">fi_RF:x53</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx15">
        <entity>
            <identifier scheme="http://ytj.fi">0778268-2</identifier>
        </entity>
        <period>
            <instant>2025-06-30</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x5</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx56">
        <entity>
            <identifier scheme="http://ytj.fi">0778268-2</identifier>
        </entity>
        <period>
            <instant>2024-09-11</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x5</xbrldi:explicitMember>
            <xbrldi:explicitMember dimension="fi_dim:REF">fi_RF:x53</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx16">
        <entity>
            <identifier scheme="http://ytj.fi">0778268-2</identifier>
        </entity>
        <period>
            <instant>2025-06-30</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x449</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx57">
        <entity>
            <identifier scheme="http://ytj.fi">0778268-2</identifier>
        </entity>
        <period>
            <instant>2024-09-11</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x449</xbrldi:explicitMember>
            <xbrldi:explicitMember dimension="fi_dim:REF">fi_RF:x53</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx19">
        <entity>
            <identifier scheme="http://ytj.fi">0778268-2</identifier>
        </entity>
        <period>
            <instant>2025-06-30</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x448</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx60">
        <entity>
            <identifier scheme="http://ytj.fi">0778268-2</identifier>
        </entity>
        <period>
            <instant>2024-09-11</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x448</xbrldi:explicitMember>
            <xbrldi:explicitMember dimension="fi_dim:REF">fi_RF:x53</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx20">
        <entity>
            <identifier scheme="http://ytj.fi">0778268-2</identifier>
        </entity>
        <period>
            <instant>2025-06-30</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x1869</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx61">
        <entity>
            <identifier scheme="http://ytj.fi">0778268-2</identifier>
        </entity>
        <period>
            <instant>2024-09-11</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x1869</xbrldi:explicitMember>
            <xbrldi:explicitMember dimension="fi_dim:REF">fi_RF:x53</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx21">
        <entity>
            <identifier scheme="http://ytj.fi">0778268-2</identifier>
        </entity>
        <period>
            <instant>2025-06-30</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x689</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx62">
        <entity>
            <identifier scheme="http://ytj.fi">0778268-2</identifier>
        </entity>
        <period>
            <instant>2024-09-11</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x689</xbrldi:explicitMember>
            <xbrldi:explicitMember dimension="fi_dim:REF">fi_RF:x53</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx29">
        <entity>
            <identifier scheme="http://ytj.fi">0778268-2</identifier>
        </entity>
        <period>
            <instant>2025-06-30</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x4014</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx70">
        <entity>
            <identifier scheme="http://ytj.fi">0778268-2</identifier>
        </entity>
        <period>
            <instant>2024-09-11</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x4014</xbrldi:explicitMember>
            <xbrldi:explicitMember dimension="fi_dim:REF">fi_RF:x53</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx34">
        <entity>
            <identifier scheme="http://ytj.fi">0778268-2</identifier>
        </entity>
        <period>
            <instant>2025-06-30</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x4046</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx75">
        <entity>
            <identifier scheme="http://ytj.fi">0778268-2</identifier>
        </entity>
        <period>
            <instant>2024-09-11</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x4046</xbrldi:explicitMember>
            <xbrldi:explicitMember dimension="fi_dim:REF">fi_RF:x53</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx35">
        <entity>
            <identifier scheme="http://ytj.fi">0778268-2</identifier>
        </entity>
        <period>
            <instant>2025-06-30</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x12</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx76">
        <entity>
            <identifier scheme="http://ytj.fi">0778268-2</identifier>
        </entity>
        <period>
            <instant>2024-09-11</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x12</xbrldi:explicitMember>
            <xbrldi:explicitMember dimension="fi_dim:REF">fi_RF:x53</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx36">
        <entity>
            <identifier scheme="http://ytj.fi">0778268-2</identifier>
        </entity>
        <period>
            <instant>2025-06-30</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x738</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx77">
        <entity>
            <identifier scheme="http://ytj.fi">0778268-2</identifier>
        </entity>
        <period>
            <instant>2024-09-11</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x738</xbrldi:explicitMember>
            <xbrldi:explicitMember dimension="fi_dim:REF">fi_RF:x53</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx41">
        <entity>
            <identifier scheme="http://ytj.fi">0778268-2</identifier>
        </entity>
        <period>
            <instant>2025-06-30</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x541</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx82">
        <entity>
            <identifier scheme="http://ytj.fi">0778268-2</identifier>
        </entity>
        <period>
            <instant>2024-09-11</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x541</xbrldi:explicitMember>
            <xbrldi:explicitMember dimension="fi_dim:REF">fi_RF:x53</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx42">
        <entity>
            <identifier scheme="http://ytj.fi">0778268-2</identifier>
        </entity>
        <period>
            <instant>2025-06-30</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x740</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx83">
        <entity>
            <identifier scheme="http://ytj.fi">0778268-2</identifier>
        </entity>
        <period>
            <instant>2024-09-11</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x740</xbrldi:explicitMember>
            <xbrldi:explicitMember dimension="fi_dim:REF">fi_RF:x53</xbrldi:explicitMember>
        </scenario>
    </context>
    <unit id="ISO4217_EUR">
        <measure>iso4217:EUR</measure>
    </unit>
    <fi_met:si168 contextRef="_ctx1">Vähämaan Autopalvelu Oy</fi_met:si168>
    <fi_met:di120 contextRef="_ctx1">2024-09-12</fi_met:di120>
    <fi_met:di121 contextRef="_ctx1">2025-06-30</fi_met:di121>
    <fi_met:si289 contextRef="_ctx1">0778268-2</fi_met:si289>
    <fi_met:md103 contextRef="_ctx2" decimals="2" unitRef="ISO4217_EUR">1151594.52</fi_met:md103>
    <fi_met:md103 contextRef="_ctx43" decimals="2" unitRef="ISO4217_EUR">0.00</fi_met:md103>
    <fi_met:md103 contextRef="_ctx7" decimals="2" unitRef="ISO4217_EUR">416786.59</fi_met:md103>
    <fi_met:md103 contextRef="_ctx48" decimals="2" unitRef="ISO4217_EUR">0.00</fi_met:md103>
    <fi_met:md103 contextRef="_ctx8" decimals="2" unitRef="ISO4217_EUR">-13854.60</fi_met:md103>
    <fi_met:md103 contextRef="_ctx49" decimals="2" unitRef="ISO4217_EUR">0.00</fi_met:md103>
    <fi_met:md103 contextRef="_ctx9" decimals="2" unitRef="ISO4217_EUR">31273.85</fi_met:md103>
    <fi_met:md103 contextRef="_ctx50" decimals="2" unitRef="ISO4217_EUR">0.00</fi_met:md103>
    <fi_met:md103 contextRef="_ctx10" decimals="2" unitRef="ISO4217_EUR">434205.84</fi_met:md103>
    <fi_met:md103 contextRef="_ctx51" decimals="2" unitRef="ISO4217_EUR">0.00</fi_met:md103>
    <fi_met:md103 contextRef="_ctx11" decimals="2" unitRef="ISO4217_EUR">291571.02</fi_met:md103>
    <fi_met:md103 contextRef="_ctx52" decimals="2" unitRef="ISO4217_EUR">0.00</fi_met:md103>
    <fi_met:md103 contextRef="_ctx13" decimals="2" unitRef="ISO4217_EUR">44911.41</fi_met:md103>
    <fi_met:md103 contextRef="_ctx54" decimals="2" unitRef="ISO4217_EUR">0.00</fi_met:md103>
    <fi_met:md103 contextRef="_ctx14" decimals="2" unitRef="ISO4217_EUR">22419.18</fi_met:md103>
    <fi_met:md103 contextRef="_ctx55" decimals="2" unitRef="ISO4217_EUR">0.00</fi_met:md103>
    <fi_met:md103 contextRef="_ctx15" decimals="2" unitRef="ISO4217_EUR">358901.61</fi_met:md103>
    <fi_met:md103 contextRef="_ctx56" decimals="2" unitRef="ISO4217_EUR">0.00</fi_met:md103>
    <fi_met:md103 contextRef="_ctx16" decimals="2" unitRef="ISO4217_EUR">3242.50</fi_met:md103>
    <fi_met:md103 contextRef="_ctx57" decimals="2" unitRef="ISO4217_EUR">0.00</fi_met:md103>
    <fi_met:md103 contextRef="_ctx19" decimals="2" unitRef="ISO4217_EUR">3242.50</fi_met:md103>
    <fi_met:md103 contextRef="_ctx60" decimals="2" unitRef="ISO4217_EUR">0.00</fi_met:md103>
    <fi_met:md103 contextRef="_ctx20" decimals="2" unitRef="ISO4217_EUR">155189.30</fi_met:md103>
    <fi_met:md103 contextRef="_ctx61" decimals="2" unitRef="ISO4217_EUR">0.00</fi_met:md103>
    <fi_met:md103 contextRef="_ctx21" decimals="2" unitRef="ISO4217_EUR">200055.27</fi_met:md103>
    <fi_met:md103 contextRef="_ctx62" decimals="2" unitRef="ISO4217_EUR">0.00</fi_met:md103>
    <fi_met:md103 contextRef="_ctx29" decimals="2" unitRef="ISO4217_EUR">149.43</fi_met:md103>
    <fi_met:md103 contextRef="_ctx70" decimals="2" unitRef="ISO4217_EUR">0.00</fi_met:md103>
    <fi_met:md103 contextRef="_ctx34" decimals="2" unitRef="ISO4217_EUR">279.16</fi_met:md103>
    <fi_met:md103 contextRef="_ctx75" decimals="2" unitRef="ISO4217_EUR">0.00</fi_met:md103>
    <fi_met:md103 contextRef="_ctx35" decimals="2" unitRef="ISO4217_EUR">129.73</fi_met:md103>
    <fi_met:md103 contextRef="_ctx76" decimals="2" unitRef="ISO4217_EUR">0.00</fi_met:md103>
    <fi_met:md103 contextRef="_ctx36" decimals="2" unitRef="ISO4217_EUR">199925.54</fi_met:md103>
    <fi_met:md103 contextRef="_ctx77" decimals="2" unitRef="ISO4217_EUR">0.00</fi_met:md103>
    <fi_met:md103 contextRef="_ctx41" decimals="2" unitRef="ISO4217_EUR">41227.64</fi_met:md103>
    <fi_met:md103 contextRef="_ctx82" decimals="2" unitRef="ISO4217_EUR">0.00</fi_met:md103>
    <fi_met:md103 contextRef="_ctx42" decimals="2" unitRef="ISO4217_EUR">158697.90</fi_met:md103>
    <fi_met:md103 contextRef="_ctx83" decimals="2" unitRef="ISO4217_EUR">0.00</fi_met:md103>
</xbrl>
