<?xml version="1.0"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9 http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd">
  <url>
    <loc>https://www.multitude.com/</loc>
    <lastmod>2024-05-16</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/who-we-are</loc>
    <lastmod>2023-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/our-growth-stories</loc>
    <lastmod>2024-07-04</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/esg</loc>
    <lastmod>2026-03-26</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/investors</loc>
    <lastmod>2025-01-02</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/news</loc>
    <lastmod>2022-12-07</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/careers</loc>
    <lastmod>2025-11-05</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/contact</loc>
    <lastmod>2025-02-04</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/privacy-and-cookie-policy</loc>
    <lastmod>2022-10-07</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/ferratum-insights</loc>
    <lastmod>2023-02-16</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/ferratum-insights-2024</loc>
    <lastmod>2024-09-03</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/robots</loc>
    <lastmod>2025-05-26</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/who-we-are/leadership</loc>
    <lastmod>2024-02-14</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/who-we-are/leadership/more growth stories</loc>
    <lastmod>2023-01-20</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/our-growth-stories/ferratum</loc>
    <lastmod>2024-07-04</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/our-growth-stories/capitalbox</loc>
    <lastmod>2024-07-04</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/esg/esg</loc>
    <lastmod>2025-07-04</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/esg/search-jobs</loc>
    <lastmod>2025-07-03</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/investors/results-reports-and-publications</loc>
    <lastmod>2024-04-03</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/investors/financial-calendar</loc>
    <lastmod>2026-02-11</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/investors/shareholder-information</loc>
    <lastmod>2023-01-05</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/investors/fixed-income-investors</loc>
    <lastmod>2023-01-05</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/investors/corporate-governance</loc>
    <lastmod>2023-01-05</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/investors/frequently-asked-questions</loc>
    <lastmod>2024-10-07</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/investors/capital-markets-day</loc>
    <lastmod>2025-10-30</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/investors/investors-contact</loc>
    <lastmod>2024-10-10</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/investors/results-reports-and-publications/2026</loc>
    <lastmod>2026-02-06</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/investors/results-reports-and-publications/2025</loc>
    <lastmod>2025-11-20</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/investors/results-reports-and-publications/2024</loc>
    <lastmod>2025-11-20</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/investors/results-reports-and-publications/2023</loc>
    <lastmod>2025-11-20</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/investors/results-reports-and-publications/2022</loc>
    <lastmod>2025-11-20</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/investors/results-reports-and-publications/2021</loc>
    <lastmod>2025-11-20</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/investors/results-reports-and-publications/2020</loc>
    <lastmod>2025-11-20</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/investors/results-reports-and-publications/2019</loc>
    <lastmod>2025-11-20</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/investors/results-reports-and-publications/esg-reports</loc>
    <lastmod>2025-11-20</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/investors/results-reports-and-publications/archive</loc>
    <lastmod>2025-11-20</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/investors/results-reports-and-publications/2022/multitude-group-tilinpaatis-ja-toimintakertomus-2022</loc>
    <lastmod>2023-04-05</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/investors/results-reports-and-publications/2022/multitude-group-tilintarkastuskertomus-2022</loc>
    <lastmod>2023-04-05</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/investors/results-reports-and-publications/2022/multitude-se-esef-report-2022</loc>
    <lastmod>2023-04-25</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/investors/shareholder-information/our-investment-case</loc>
    <lastmod>2022-09-21</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/investors/shareholder-information/share-price-information</loc>
    <lastmod>2022-12-19</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/investors/shareholder-information/key-figures</loc>
    <lastmod>2022-12-19</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/investors/shareholder-information/major-shareholders</loc>
    <lastmod>2024-02-14</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/investors/shareholder-information/agm</loc>
    <lastmod>2024-09-23</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/investors/shareholder-information/analyst-coverage-and-consensus</loc>
    <lastmod>2022-09-16</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/investors/shareholder-information/share-buyback</loc>
    <lastmod>2024-09-05</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/investors/shareholder-information/contact</loc>
    <lastmod>2022-09-20</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/investors/shareholder-information/agm/2026</loc>
    <lastmod>2026-03-25</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/investors/shareholder-information/agm/2025</loc>
    <lastmod>2025-04-09</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/investors/fixed-income-investors/overview-of-instruments</loc>
    <lastmod>2022-12-07</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/investors/fixed-income-investors/multitude-ag</loc>
    <lastmod>2025-06-05</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/investors/fixed-income-investors/multitude-capital-oyj</loc>
    <lastmod>2024-12-16</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/investors/fixed-income-investors/multitude-bank</loc>
    <lastmod>2022-09-23</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/investors/fixed-income-investors/credit-ratings</loc>
    <lastmod>2022-11-30</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/investors/fixed-income-investors/contact</loc>
    <lastmod>2022-09-20</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/investors/corporate-governance/board-of-directors</loc>
    <lastmod>2023-05-10</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/investors/corporate-governance/board-committees-and-internal-audit</loc>
    <lastmod>2023-08-08</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/investors/corporate-governance/auditor</loc>
    <lastmod>2024-01-19</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/investors/corporate-governance/articles-of-association</loc>
    <lastmod>2024-04-29</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/investors/corporate-governance/risk-management</loc>
    <lastmod>2022-09-16</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/investors/corporate-governance/corporate-governance-statement</loc>
    <lastmod>2022-09-19</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/investors/corporate-governance/insider-administration</loc>
    <lastmod>2022-09-19</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/investors/corporate-governance/board-of-directors/non-executive</loc>
    <lastmod>2023-05-10</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/investors/corporate-governance/board-of-directors/executive</loc>
    <lastmod>2023-05-10</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/news/newsroom</loc>
    <lastmod>2024-10-16</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/news/media-gallery</loc>
    <lastmod>2023-08-02</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/news/media-contacts</loc>
    <lastmod>2023-08-02</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/news/subscribe</loc>
    <lastmod>2025-11-10</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/news/newsroom/stock-exchange-releases</loc>
    <lastmod>2026-03-10</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/news/newsroom/pressreleases</loc>
    <lastmod>2026-03-05</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/news/newsroom/ad-hoc-announcements</loc>
    <lastmod>2026-03-05</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/news/newsroom/managers-transactions</loc>
    <lastmod>2026-03-05</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/news/newsroom/voting-rights</loc>
    <lastmod>2026-03-05</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/news/newsroom/share-buybacks</loc>
    <lastmod>2026-03-05</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/news/newsroom/all-news</loc>
    <lastmod>2026-03-05</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/news/newsroom/news-details</loc>
    <lastmod>2026-03-05</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/news/newsroom/press-release</loc>
    <lastmod>2023-11-30</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/news/newsroom/pr-story</loc>
    <lastmod>2026-03-25</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/news/newsroom/investor-newsletters</loc>
    <lastmod>2023-01-02</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/news/media-gallery/logos</loc>
    <lastmod>2025-01-31</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/careers/search-jobs</loc>
    <lastmod>2025-11-05</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/careers/culture-and-values</loc>
    <lastmod>2022-09-23</lastmod>
  </url>
  <url>
    <loc>https://www.multitude.com/careers/meet-our-people</loc>
    <lastmod>2022-09-23</lastmod>
  </url>
</urlset>