<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">3439793-1</identifier>
        </entity>
        <period>
            <instant>2025-04-30</instant>
        </period>
    </context>
    <context id="_ctx82">
        <entity>
            <identifier scheme="http://ytj.fi">3439793-1</identifier>
        </entity>
        <period>
            <instant>2025-04-30</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x1769</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx86">
        <entity>
            <identifier scheme="http://ytj.fi">3439793-1</identifier>
        </entity>
        <period>
            <instant>2025-04-30</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x1771</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx87">
        <entity>
            <identifier scheme="http://ytj.fi">3439793-1</identifier>
        </entity>
        <period>
            <instant>2025-04-30</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x1775</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx88">
        <entity>
            <identifier scheme="http://ytj.fi">3439793-1</identifier>
        </entity>
        <period>
            <instant>2025-04-30</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x1768</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx89">
        <entity>
            <identifier scheme="http://ytj.fi">3439793-1</identifier>
        </entity>
        <period>
            <instant>2025-04-30</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x438</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx94">
        <entity>
            <identifier scheme="http://ytj.fi">3439793-1</identifier>
        </entity>
        <period>
            <instant>2025-04-30</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x399</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx95">
        <entity>
            <identifier scheme="http://ytj.fi">3439793-1</identifier>
        </entity>
        <period>
            <instant>2025-04-30</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x435</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx96">
        <entity>
            <identifier scheme="http://ytj.fi">3439793-1</identifier>
        </entity>
        <period>
            <instant>2025-04-30</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x360</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx107">
        <entity>
            <identifier scheme="http://ytj.fi">3439793-1</identifier>
        </entity>
        <period>
            <instant>2025-04-30</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x2895</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx109">
        <entity>
            <identifier scheme="http://ytj.fi">3439793-1</identifier>
        </entity>
        <period>
            <instant>2025-04-30</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x376</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx138">
        <entity>
            <identifier scheme="http://ytj.fi">3439793-1</identifier>
        </entity>
        <period>
            <instant>2025-04-30</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x1819</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx140">
        <entity>
            <identifier scheme="http://ytj.fi">3439793-1</identifier>
        </entity>
        <period>
            <instant>2025-04-30</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x1825</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx141">
        <entity>
            <identifier scheme="http://ytj.fi">3439793-1</identifier>
        </entity>
        <period>
            <instant>2025-04-30</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x1826</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx142">
        <entity>
            <identifier scheme="http://ytj.fi">3439793-1</identifier>
        </entity>
        <period>
            <instant>2025-04-30</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x1811</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx143">
        <entity>
            <identifier scheme="http://ytj.fi">3439793-1</identifier>
        </entity>
        <period>
            <instant>2025-04-30</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x424</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx144">
        <entity>
            <identifier scheme="http://ytj.fi">3439793-1</identifier>
        </entity>
        <period>
            <instant>2025-04-30</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x481</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx2">
        <entity>
            <identifier scheme="http://ytj.fi">3439793-1</identifier>
        </entity>
        <period>
            <instant>2025-04-30</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x673</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx7">
        <entity>
            <identifier scheme="http://ytj.fi">3439793-1</identifier>
        </entity>
        <period>
            <instant>2025-04-30</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x755</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx9">
        <entity>
            <identifier scheme="http://ytj.fi">3439793-1</identifier>
        </entity>
        <period>
            <instant>2025-04-30</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x10</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx10">
        <entity>
            <identifier scheme="http://ytj.fi">3439793-1</identifier>
        </entity>
        <period>
            <instant>2025-04-30</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x758</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx11">
        <entity>
            <identifier scheme="http://ytj.fi">3439793-1</identifier>
        </entity>
        <period>
            <instant>2025-04-30</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x6</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx13">
        <entity>
            <identifier scheme="http://ytj.fi">3439793-1</identifier>
        </entity>
        <period>
            <instant>2025-04-30</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x8</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx14">
        <entity>
            <identifier scheme="http://ytj.fi">3439793-1</identifier>
        </entity>
        <period>
            <instant>2025-04-30</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x9</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx15">
        <entity>
            <identifier scheme="http://ytj.fi">3439793-1</identifier>
        </entity>
        <period>
            <instant>2025-04-30</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x5</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx20">
        <entity>
            <identifier scheme="http://ytj.fi">3439793-1</identifier>
        </entity>
        <period>
            <instant>2025-04-30</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x1869</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx21">
        <entity>
            <identifier scheme="http://ytj.fi">3439793-1</identifier>
        </entity>
        <period>
            <instant>2025-04-30</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x689</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx29">
        <entity>
            <identifier scheme="http://ytj.fi">3439793-1</identifier>
        </entity>
        <period>
            <instant>2025-04-30</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x4014</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx34">
        <entity>
            <identifier scheme="http://ytj.fi">3439793-1</identifier>
        </entity>
        <period>
            <instant>2025-04-30</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x4046</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx35">
        <entity>
            <identifier scheme="http://ytj.fi">3439793-1</identifier>
        </entity>
        <period>
            <instant>2025-04-30</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x12</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx36">
        <entity>
            <identifier scheme="http://ytj.fi">3439793-1</identifier>
        </entity>
        <period>
            <instant>2025-04-30</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x738</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx41">
        <entity>
            <identifier scheme="http://ytj.fi">3439793-1</identifier>
        </entity>
        <period>
            <instant>2025-04-30</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x541</xbrldi:explicitMember>
        </scenario>
    </context>
    <context id="_ctx42">
        <entity>
            <identifier scheme="http://ytj.fi">3439793-1</identifier>
        </entity>
        <period>
            <instant>2025-04-30</instant>
        </period>
        <scenario>
            <xbrldi:explicitMember dimension="fi_dim:MCY">fi_MC:x740</xbrldi:explicitMember>
        </scenario>
    </context>
    <unit id="ISO4217_EUR">
        <measure>iso4217:EUR</measure>
    </unit>
    <fi_met:si168 contextRef="_ctx1">HulTec Oy</fi_met:si168>
    <fi_met:di120 contextRef="_ctx1">2024-04-05</fi_met:di120>
    <fi_met:di121 contextRef="_ctx1">2025-04-30</fi_met:di121>
    <fi_met:si289 contextRef="_ctx1">3439793-1</fi_met:si289>
    <fi_met:mi53 contextRef="_ctx82" decimals="2" unitRef="ISO4217_EUR">13771.12</fi_met:mi53>
    <fi_met:mi53 contextRef="_ctx86" decimals="2" unitRef="ISO4217_EUR">361.85</fi_met:mi53>
    <fi_met:mi53 contextRef="_ctx87" decimals="2" unitRef="ISO4217_EUR">348.40</fi_met:mi53>
    <fi_met:mi53 contextRef="_ctx88" decimals="2" unitRef="ISO4217_EUR">14481.37</fi_met:mi53>
    <fi_met:mi53 contextRef="_ctx89" decimals="2" unitRef="ISO4217_EUR">14481.37</fi_met:mi53>
    <fi_met:mi53 contextRef="_ctx94" decimals="2" unitRef="ISO4217_EUR">9395.46</fi_met:mi53>
    <fi_met:mi53 contextRef="_ctx95" decimals="2" unitRef="ISO4217_EUR">23876.83</fi_met:mi53>
    <fi_met:mi53 contextRef="_ctx96" decimals="2" unitRef="ISO4217_EUR">23876.83</fi_met:mi53>
    <fi_met:mi53 contextRef="_ctx107" decimals="2" unitRef="ISO4217_EUR">12412.11</fi_met:mi53>
    <fi_met:mi53 contextRef="_ctx109" decimals="2" unitRef="ISO4217_EUR">12412.11</fi_met:mi53>
    <fi_met:mi53 contextRef="_ctx138" decimals="2" unitRef="ISO4217_EUR">1449.46</fi_met:mi53>
    <fi_met:mi53 contextRef="_ctx140" decimals="2" unitRef="ISO4217_EUR">6906.12</fi_met:mi53>
    <fi_met:mi53 contextRef="_ctx141" decimals="2" unitRef="ISO4217_EUR">3109.14</fi_met:mi53>
    <fi_met:mi53 contextRef="_ctx142" decimals="2" unitRef="ISO4217_EUR">11464.72</fi_met:mi53>
    <fi_met:mi53 contextRef="_ctx143" decimals="2" unitRef="ISO4217_EUR">11464.72</fi_met:mi53>
    <fi_met:mi53 contextRef="_ctx144" decimals="2" unitRef="ISO4217_EUR">23876.83</fi_met:mi53>
    <fi_met:md103 contextRef="_ctx2" decimals="2" unitRef="ISO4217_EUR">107151.56</fi_met:md103>
    <fi_met:md103 contextRef="_ctx7" decimals="2" unitRef="ISO4217_EUR">-436.45</fi_met:md103>
    <fi_met:md103 contextRef="_ctx9" decimals="2" unitRef="ISO4217_EUR">-2712.50</fi_met:md103>
    <fi_met:md103 contextRef="_ctx10" decimals="2" unitRef="ISO4217_EUR">-3148.95</fi_met:md103>
    <fi_met:md103 contextRef="_ctx11" decimals="2" unitRef="ISO4217_EUR">-64709.53</fi_met:md103>
    <fi_met:md103 contextRef="_ctx13" decimals="2" unitRef="ISO4217_EUR">-3885.63</fi_met:md103>
    <fi_met:md103 contextRef="_ctx14" decimals="2" unitRef="ISO4217_EUR">-738.43</fi_met:md103>
    <fi_met:md103 contextRef="_ctx15" decimals="2" unitRef="ISO4217_EUR">-69333.59</fi_met:md103>
    <fi_met:md103 contextRef="_ctx20" decimals="2" unitRef="ISO4217_EUR">-19149.94</fi_met:md103>
    <fi_met:md103 contextRef="_ctx21" decimals="2" unitRef="ISO4217_EUR">15519.08</fi_met:md103>
    <fi_met:md103 contextRef="_ctx29" decimals="2" unitRef="ISO4217_EUR">3.63</fi_met:md103>
    <fi_met:md103 contextRef="_ctx34" decimals="2" unitRef="ISO4217_EUR">-1.46</fi_met:md103>
    <fi_met:md103 contextRef="_ctx35" decimals="2" unitRef="ISO4217_EUR">2.17</fi_met:md103>
    <fi_met:md103 contextRef="_ctx36" decimals="2" unitRef="ISO4217_EUR">15521.25</fi_met:md103>
    <fi_met:md103 contextRef="_ctx41" decimals="2" unitRef="ISO4217_EUR">-3109.14</fi_met:md103>
    <fi_met:md103 contextRef="_ctx42" decimals="2" unitRef="ISO4217_EUR">12412.11</fi_met:md103>
</xbrl>
