<?xml version="1.0" encoding="UTF-8"?>
<?xml-stylesheet type="text/xsl" href="https://financiarul.ro/news-sitemap.xsl"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:news="http://www.google.com/schemas/sitemap-news/0.9"
        xmlns:image="http://www.google.com/schemas/sitemap-image/1.1">
  <url>
    <loc>https://financiarul.ro/bursa/actiunile-ai-trag-bursele-in-jos-intr-o-sedinta-cu-petrolul-la-maximul/</loc>
    <lastmod>2026-10-22T20:41:15+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-22T20:41:14+03:00</news:publication_date>
      <news:title>Acțiunile AI trag bursele în jos într-o ședință cu petrolul la maximul ultimelor cinci luni</news:title>
      <news:keywords>burse, Federal Reserve, inteligenta artificiala, nvidia, petrol Brent</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/petrol-brent-4.jpg</image:loc>
      <image:caption>Butoi cu petrol Brent</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/finante-personale/ce-inseamna-regula-50-30-20-pentru-un-venit-de-2-699-lei/</loc>
    <lastmod>2026-10-22T20:39:08+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-22T20:30:36+03:00</news:publication_date>
      <news:title>Ce înseamnă regula 50/30/20 pentru un venit de 2.699 lei și de ce calculul trebuie verificat cu facturile</news:title>
      <news:keywords>buget personal, coș minim de consum, inflație, Regula 50/30/20, salariul minim</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/regula-50-30-20.jpg</image:loc>
      <image:caption>Rafturi cu produse alimentare de bază</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/companii/creditorii-fibula-air-travel-au-termen-pana-la-7-decembrie/</loc>
    <lastmod>2026-10-22T19:42:43+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-22T19:42:41+03:00</news:publication_date>
      <news:title>Creditorii Fibula Air Travel au termen până la 7 decembrie pentru înscrierea creanțelor</news:title>
      <news:keywords>agenții de turism, creditori, Fibula Air Travel, insolventa, Tribunalul Bucureşti</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/fibula-air-travel.jpg</image:loc>
      <image:caption>Sală de judecată cu mobilier masiv</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/finante-personale/euro-ajunge-la-5-3485-lei-ce-inseamna-cursul-din-22-octombrie/</loc>
    <lastmod>2026-10-22T19:22:56+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-22T19:15:52+03:00</news:publication_date>
      <news:title>Euro ajunge la 5,3485 lei. Ce înseamnă cursul din 22 octombrie pentru schimbul valutar și evaluarea economiilor</news:title>
      <news:keywords>BNR, curs valutar, economii, euro, inflație</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/curs-valutar.jpg</image:loc>
      <image:caption>Bancnote euro pentru curs valutar</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/tehnologie/cum-se-verifica-un-telefon-la-mana-a-doua-inainte-de-plata-de-la-codul/</loc>
    <lastmod>2026-10-22T17:37:25+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-22T17:27:32+03:00</news:publication_date>
      <news:title>Cum se verifică un telefon la mâna a doua înainte de plată, de la codul IMEI la blocările de cont</news:title>
      <news:keywords>iPhone, protecția cumpărătorilor, Samsung, telefoane second-hand, verificare IMEI</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/verificare-imei.jpg</image:loc>
      <image:caption>Verificare telefoane utilizate</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/finante-si-banci/yenul-castiga-teren-pe-fondul-temerilor-legate-de-petrol-inteligenta/</loc>
    <lastmod>2026-10-22T17:22:03+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-22T17:22:01+03:00</news:publication_date>
      <news:title>Yenul câștigă teren pe fondul temerilor legate de petrol, inteligența artificială și Franța</news:title>
      <news:keywords>dolar, euro, Franța, petrol, piețe financiare, yen</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/yen.jpg</image:loc>
      <image:caption>Bancnote de dolari și yeni</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/tehnologie/clientii-railway-trebuie-sa-revoce-si-sa-inlocuiasca-cheile-de-acces/</loc>
    <lastmod>2026-10-22T17:17:07+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-22T17:17:05+03:00</news:publication_date>
      <news:title>Clienții Railway trebuie să revoce și să înlocuiască cheile de acces după atac, inclusiv cei neidentificați ca afectați</news:title>
      <news:keywords>cloud, OpenCode, PHP, railway, securitate cibernetică</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/railway.jpg</image:loc>
      <image:caption>Servere cu date Railway</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/tehnologie/doua-vulnerabilitati-in-php-folosit-de-peste-70-dintre-site-uri/</loc>
    <lastmod>2026-10-22T20:24:21+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-22T16:08:43+03:00</news:publication_date>
      <news:title>PHP2Shell permite preluarea serverelor fără parolă. Inteligența artificială a redus la ore adaptarea atacurilor</news:title>
      <news:keywords>inteligenta artificiala, PHP, PHP2Shell, securitate cibernetică, servicii online</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/php2shell.jpg</image:loc>
      <image:caption>Servere expuse atacurilor PHP2Shell</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/finante-si-banci/leul-pierde-teren-fata-de-cinci-valute-in-cursul-bnr-din-22-octombrie/</loc>
    <lastmod>2026-10-22T15:49:11+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-22T15:49:09+03:00</news:publication_date>
      <news:title>Leul pierde teren față de cinci valute în cursul BNR din 22 octombrie 2026</news:title>
      <news:keywords>aur, BNR, curs valutar, euro, franc elvetian</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/curs-valutar-bnr-1.jpg</image:loc>
      <image:caption>Sediul National Bank din Bucharest</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/economie/petrolul-brent-a-urcat-la-113-21-dolari-pe-baril-cu-2-47-dolari/</loc>
    <lastmod>2026-10-22T16:15:00+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-22T15:49:03+03:00</news:publication_date>
      <news:title>Brent atinge un maxim pe cinci luni după atacurile care amenință aprovizionarea cu petrol</news:title>
      <news:keywords>carburanti, petrol Brent, Prețul petrolului, rezerve de urgenta, transport</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/psk-agentie-pretul-petrolului-brent.jpg</image:loc>
      <image:caption>Prețul petrolului Brent</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/finante-personale/la-ce-rata-ajunge-un-credit-de-300-000-de-lei-cu-ircc-din-22-octombrie/</loc>
    <lastmod>2026-10-22T15:26:32+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-22T15:26:30+03:00</news:publication_date>
      <news:title>La ce rată ajunge un credit de 300.000 de lei cu IRCC din 22 octombrie 2026 și cum se compară cu anul trecut</news:title>
      <news:keywords>credite in lei, dobânzi, IRCC, rate bancare, ROBOR</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/robor-si-ircc-10.png</image:loc>
      <image:caption>ROBOR la 3 luni în ultimele 12 luni</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/finante-si-banci/dobanda-bnr-ramane-la-6-50-ce-reprezinta-acest-nivel/</loc>
    <lastmod>2026-10-22T15:26:43+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-22T15:19:52+03:00</news:publication_date>
      <news:title>Dobânda BNR rămâne la 6,50%. Ce reprezintă acest nivel pentru cei care urmăresc creditele și depozitele</news:title>
      <news:keywords>BNR, credite, depozite bancare, dobânzi, inflație</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/psk-agentie-dobanda-bnr.jpg</image:loc>
      <image:caption>Nivelul actual al dobânzii</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/finante-personale/cum-se-reduce-consumul-pentru-incalzire-si-cand-merita-recuperarea/</loc>
    <lastmod>2026-10-22T14:27:54+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-22T14:27:52+03:00</news:publication_date>
      <news:title>Cum se reduce consumul pentru încălzire și când merită recuperarea căldurii, cu investiții estimate de la 6.000 lei</news:title>
      <news:keywords>eficienta energetica, facturi gaze, izolație termică, nZEB, recuperare de căldură</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/reducerea-consumului-pentru-incalzire.jpg</image:loc>
      <image:caption>Reducerea consumului pentru încălzire prin izolare</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/tehnologie/vulnerabilitatile-php-determina-banci-si-operatori-de-transport/</loc>
    <lastmod>2026-10-22T14:25:25+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-22T14:25:23+03:00</news:publication_date>
      <news:title>Vulnerabilitățile PHP determină bănci și operatori de transport să suspende preventiv servicii online</news:title>
      <news:keywords>Cloudflare, PHP, securitate cibernetică, servicii bancare, Valtori</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/vulnerabilitati-php-1.jpg</image:loc>
      <image:caption>Ghișeu bancar</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/companii/ikea-pregateste-la-cluj-napoca-un-magazin-de-peste-17-000-mp-in-rivus/</loc>
    <lastmod>2026-10-22T14:06:25+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-22T14:06:24+03:00</news:publication_date>
      <news:title>IKEA pregătește la Cluj-Napoca un magazin de peste 17.000 mp în RIVUS, cu deschidere estimată în 2028-2029</news:title>
      <news:keywords>Cluj-Napoca, Ikea, investiții, Iulius, retail, RIVUS</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/ikea-cluj-napoca.jpg</image:loc>
      <image:caption>Imagine ilustrativă</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/tehnologie/vulnerabilitatea-php-este-vizata-de-milioane-de-accesari-autoritati/</loc>
    <lastmod>2026-10-22T13:30:18+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-22T13:30:16+03:00</news:publication_date>
      <news:title>Vulnerabilitatea PHP este vizată de milioane de accesări. Autorități europene au oprit preventiv site-uri</news:title>
      <news:keywords>Amazon, PHP, securitate cibernetică, servicii publice online, Tulcea</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/vulnerabilitate-php.jpg</image:loc>
      <image:caption>Servere vulnerabilitate</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/economie/motorina-ar-putea-lipsi-in-unele-regiuni-din-romania-din-decembrie/</loc>
    <lastmod>2026-10-22T13:40:53+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-22T13:29:40+03:00</news:publication_date>
      <news:title>Motorina ar putea lipsi în unele regiuni din România din decembrie, potrivit unui scenariu Frames</news:title>
      <news:keywords>Frames, motorina, prețuri carburanți, rezerve de urgenta, transportatori</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/penurie-de-motorina.jpg</image:loc>
      <image:caption>Penurie de motorină la pompă</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/tehnologie/primaria-tulcea-a-oprit-preventiv-accesul-la-portal-platile-online/</loc>
    <lastmod>2026-10-22T12:57:24+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-22T12:57:22+03:00</news:publication_date>
      <news:title>Primăria Tulcea a oprit preventiv accesul la portal. Plățile online se pot face prin ghiseul.ro</news:title>
      <news:keywords>DNSC, PHP, plăți online, Primăria Tulcea, securitate cibernetică</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/primaria-tulcea.jpg</image:loc>
      <image:caption>Sediul unei instituții din Tulcea’s</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/tehnologie/cum-isi-pot-proteja-firmele-mici-datele-si-banii-prin-sase-masuri/</loc>
    <lastmod>2026-10-22T12:50:05+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-22T12:50:01+03:00</news:publication_date>
      <news:title>Cum își pot proteja firmele mici datele și banii prin șase măsuri împotriva atacurilor cibernetice</news:title>
      <news:keywords>atacuri cibernetice, firme mici, OnSecurity, protectia datelor, securitate cibernetică</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/securitate-cibernetica-pentru-firme-mici.jpg</image:loc>
      <image:caption>Router pentru securitate cibernetică</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/investitii/aurul-de-investitii-are-castigul-impozitat-cu-16-din-2026-ce-conditii/</loc>
    <lastmod>2026-10-22T12:23:58+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-22T12:17:15+03:00</news:publication_date>
      <news:title>Aurul de investiții are câștigul impozitat cu 16% din 2026. Ce condiții trebuie verificate înainte de cumpărare</news:title>
      <news:keywords>aur de investiții, BNR, cotatia aurului, impozit pe câștig, TVA</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/aur-de-investitii-1.jpg</image:loc>
      <image:caption>Lingou de aur de investiții</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/finante-si-banci/asigurarea-datoriei-romaniei-este-mai-scumpa-decat-a-ungariei-desi/</loc>
    <lastmod>2026-10-22T11:47:19+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-22T11:47:17+03:00</news:publication_date>
      <news:title>Asigurarea datoriei României este mai scumpă decât a Ungariei, deși ratingul este identic</news:title>
      <news:keywords>costul finanțării, datorie publica, deficit bugetar, rating Romania, Sergiu Oprescu</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/rating-romania.jpg</image:loc>
      <image:caption>Steagurile pentru Romania și Hungary</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/economie/romania-conduce-ue-la-deficitul-trimestrial-cu-9-2-de-ce-tinta-de-6/</loc>
    <lastmod>2026-10-22T14:43:37+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-22T10:37:14+03:00</news:publication_date>
      <news:title>PSD cere renunțarea la austeritatea lui Ilie Bolojan după deficitul trimestrial de 9,2% din PIB</news:title>
      <news:keywords>datorie publica, deficit bugetar, Eurostat, investiții publice, Ministerul Finantelor</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/psk-agentie-deficit-bugetar.webp</image:loc>
      <image:caption>deficit bugetar, PSD cere renunțarea la austeritatea lui Ilie Bolojan după deficitul trimestrial de 9,2% din PIB</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/finante-personale/cumpararea-unei-masini-prin-rabla-2026-depinde-de-buget-ce-ajutor/</loc>
    <lastmod>2026-10-22T09:31:25+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-22T09:24:00+03:00</news:publication_date>
      <news:title>Cumpărarea unei mașini prin Rabla 2026 depinde de buget. Ce ajutor se acordă în funcție de motorizare</news:title>
      <news:keywords>achiziţii auto, AFM, Ecotichet, mașini electrice, rabla 2026</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/rabla-2026.jpg</image:loc>
      <image:caption>Mașini vechi în programul 2026</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/companii/meta-are-de-achitat-25-miliarde-de-dolari-catre-new-mexico/</loc>
    <lastmod>2026-10-22T08:55:56+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-22T08:55:54+03:00</news:publication_date>
      <news:title>Meta are de achitat 25 miliarde de dolari către New Mexico pentru afirmațiile false despre datele Facebook</news:title>
      <news:keywords>Cambridge Analytica, Facebook, Meta, New Mexico, protectia datelor</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/amenda-meta.jpg</image:loc>
      <image:caption>Amendă pentru rețelele de socializare</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/economie/cresterea-dobanzilor-platite-de-stat-depaseste-de-2-35-ori-economiile/</loc>
    <lastmod>2026-10-22T08:30:13+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-22T08:30:11+03:00</news:publication_date>
      <news:title>Creșterea dobânzilor plătite de stat depășește de 2,35 ori economiile la cheltuielile de personal</news:title>
      <news:keywords>buget, cheltuieli de personal, deficit bugetar, dobânzi, investiții publice</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/cheltuieli-cu-dobanzile.jpg</image:loc>
      <image:caption>Imagine ilustrativă</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/tehnologie/guvernul-britanic-verifica-daca-serviciile-sale-online-sunt-expuse/</loc>
    <lastmod>2026-10-22T08:27:56+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-22T08:27:54+03:00</news:publication_date>
      <news:title>Guvernul britanic verifică dacă serviciile sale online sunt expuse vulnerabilităților PHP</news:title>
      <news:keywords>Amazon, NCSC, PHP, securitate cibernetică, servicii online</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/vulnerabilitati-php.jpg</image:loc>
      <image:caption>Verificarea unor vulnerabilități</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/investitii/investitiile-in-fonduri-pot-incepe-de-la-20-de-lei-cum-se-aleg/</loc>
    <lastmod>2026-10-22T08:22:40+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-22T08:15:05+03:00</news:publication_date>
      <news:title>Investițiile în fonduri pot începe de la 20 de lei. Cum se aleg în funcție de risc, comisioane și retragerea banilor</news:title>
      <news:keywords>comisioane, economii, FIDELIS, fonduri de investitii, impozit pe câștig</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/fonduri-de-investitii.jpg</image:loc>
      <image:caption>Birou pentru gestionarea de fonduri de investiții</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/agricultura/un-pachet-de-drona-agricola-porneste-de-la-9-138-30-eur-fara-tva/</loc>
    <lastmod>2026-10-22T06:25:29+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-22T06:15:13+03:00</news:publication_date>
      <news:title>Un pachet de dronă agricolă pornește de la 9.138,30 EUR fără TVA în oferta din octombrie. Ce include investiția</news:title>
      <news:keywords>costuri agricole, DJI Agras, drone agricole, investiții în agricultură, operator de dronă</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/operator-de-drona-agricola.jpg</image:loc>
      <image:caption>Dronă agricolă în timpul operării</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/finante-personale/cum-pot-parintii-si-bunicii-sa-evite-pierderea-banilor-prin-apeluri/</loc>
    <lastmod>2026-10-21T20:31:30+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-21T20:22:58+03:00</news:publication_date>
      <news:title>Cum pot părinții și bunicii să evite pierderea banilor prin apeluri false care pretind că vin de la bancă</news:title>
      <news:keywords>DNSC, fraude telefonice, ING Bank România, securitate bancară, Seniori</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/apeluri-bancare-false.jpg</image:loc>
      <image:caption>Telefon fix și mobil pentru apeluri</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/investitii/cum-se-impoziteaza-investitiile-in-2026-si-cand-se-aplica-retinerea/</loc>
    <lastmod>2026-10-21T19:16:09+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-21T19:10:27+03:00</news:publication_date>
      <news:title>Cum se impozitează investițiile în 2026 și când se aplică reținerea de 3% sau 6% din câștig</news:title>
      <news:keywords>BNR, CASS, declaratia unica, dividende, impozit investitii</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/impozit-investitii-2026.jpg</image:loc>
      <image:caption>Birou impozit investiții 2026</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/politica/traian-basescu-leaga-evitarea-suspendarii-lui-nicusor-dan-de-sprijinul/</loc>
    <lastmod>2026-10-21T18:45:21+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-21T18:45:20+03:00</news:publication_date>
      <news:title>Traian Băsescu leagă evitarea suspendării lui Nicușor Dan de sprijinul PSD pentru noul Guvern</news:title>
      <news:keywords>Luca Niculescu, Marian Neacsu, Nicușor Dan, PSD, Traian Basescu</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/guvernul-luca-niculescu-2.jpg</image:loc>
      <image:caption>Sală pentru noul</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/finante-personale/cum-se-calculeaza-bugetul-unei-vacante-la-scoala-pornind-de-la-alocatia/</loc>
    <lastmod>2026-10-21T18:00:35+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-21T17:52:00+03:00</news:publication_date>
      <news:title>Cum se calculează bugetul unei vacanțe la școală, pornind de la alocația lunară de 292 de lei</news:title>
      <news:keywords>alocatii, buget de vacanta, economisire, educatie financiara, salariul minim</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/buget-de-vacanta.jpg</image:loc>
      <image:caption>Calculul unui buget de vacanță</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/economie/alexandru-petrescu-presedinte-asf-de-la-viziune-catre-valoare-cum-transformam-obiectivele-de-sustenabilitate-in-investitii/</loc>
    <lastmod>2026-10-21T17:32:52+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-21T17:32:52+03:00</news:publication_date>
      <news:title>Alexandru Petrescu, Președinte ASF: De la viziune către valoare, cum transformăm obiectivele de sustenabilitate în investiții</news:title>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/07/petrescu-asf.jpeg</image:loc>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/finante-si-banci/cum-poate-ratingul-de-tara-sa-scumpeasca-imprumuturile-ce-inseamna/</loc>
    <lastmod>2026-10-21T16:19:35+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-21T16:12:50+03:00</news:publication_date>
      <news:title>Cum poate ratingul de țară să scumpească împrumuturile. Ce înseamnă coborârea sub pragurile BBB− și Baa3</news:title>
      <news:keywords>credite, Fitch, IRCC, Moody’s, obligatiuni de stat, rating de tara</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/ratingul-de-tara.jpg</image:loc>
      <image:caption>Ratingul de țară și scumpirea împrumuturilor</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/finante-si-banci/la-cat-ajunge-rata-unui-credit-de-300-000-de-lei-cu-ircc-din-21/</loc>
    <lastmod>2026-10-21T15:56:34+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-21T15:56:33+03:00</news:publication_date>
      <news:title>La cât ajunge rata unui credit de 300.000 de lei cu IRCC din 21 octombrie 2026 și cum se compară cu anul trecut</news:title>
      <news:keywords>credite in lei, dobânzi, IRCC, rate bancare, ROBOR</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/robor-si-ircc-9.png</image:loc>
      <image:caption>ROBOR la 3 luni în ultimele 12 luni</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/economie/dan-neculaescu-anunta-prioritate-pentru-marea-neagra-la-preluarea/</loc>
    <lastmod>2026-10-22T08:30:28+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-21T15:49:24+03:00</news:publication_date>
      <news:title>Guvernul Niculescu propune dosare UE inventariate în 30 de zile și proiecte de investiții pentru 2027</news:title>
      <news:keywords>companii românești, Dan Neculăescu, diplomație economică, investiții strategice, Marea Neagră</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/diplomatie-economica.jpg</image:loc>
      <image:caption>Sediul Romanian Ministry, diplomație economică</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/finante-personale/salariul-minim-aduce-125-de-lei-net-in-plus-cum-se-verifica/</loc>
    <lastmod>2026-10-21T14:59:47+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-21T14:50:52+03:00</news:publication_date>
      <news:title>Salariul minim aduce 125 de lei net în plus. Cum se verifică abonamentele și indexările în bugetul lunar</news:title>
      <news:keywords>abonamente, buget lunar, cheltuieli personale, indexare contracte, salariu minim</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/buget-lunar.jpg</image:loc>
      <image:caption>Buget lunar pe o plăcuță</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/companii/comisia-europeana-ancheteaza-booking-com-pentru-protectia-impotriva/</loc>
    <lastmod>2026-10-21T16:01:48+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-21T14:43:31+03:00</news:publication_date>
      <news:title>Comisia Europeană deschide ancheta Booking.com privind cazările fictive, fraudele la plată și promovarea contra cost</news:title>
      <news:keywords>Booking.com, Comisia Europeană, DSA, fraude online, Publicitate</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/booking-com-1.jpg</image:loc>
      <image:caption>Sediul European Commission</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/politica/ilie-bolojan-isi-prezinta-bilantul-la-plecarea-din-guvern-inaintea/</loc>
    <lastmod>2026-10-21T14:34:36+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-21T14:34:33+03:00</news:publication_date>
      <news:title>Ilie Bolojan își prezintă bilanțul la plecarea din Guvern, înaintea rectificării bugetare</news:title>
      <news:keywords>buget 2027, guvern, Ilie Bolojan, Luca Niculescu, rectificare bugetara</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/ilie-bolojan.jpg</image:loc>
      <image:caption>Sediul Guvernului</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/politica/crin-antonescu-critica-votul-liberalilor-pentru-cabinetul-psd/</loc>
    <lastmod>2026-10-21T14:20:58+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-21T14:20:57+03:00</news:publication_date>
      <news:title>Crin Antonescu critică votul liberalilor pentru cabinetul PSD și califică poziția PNL drept ridicolă</news:title>
      <news:keywords>Crin Antonescu, guvern, Luca Niculescu, PNL, PSD</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/psk-agentie-crin-antonescu.jpg</image:loc>
      <image:caption>Fost lider politic perplex</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/actualitate/alexandru-petrescu-presedinte-asf-de-la-economisire-la-investitii-calea-catre-o-economie-mai-rezilienta/</loc>
    <lastmod>2026-10-21T13:02:38+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-21T13:02:38+03:00</news:publication_date>
      <news:title>Alexandru Petrescu, Președinte ASF: De la economisire la investiții, calea către o economie mai rezilientă</news:title>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/7822.jpg</image:loc>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/finante-si-banci/bilanturile-nedepuse-pot-duce-la-inactivarea-firmei-cum-se-aplica/</loc>
    <lastmod>2026-10-21T12:52:48+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-21T12:46:34+03:00</news:publication_date>
      <news:title>Bilanțurile nedepuse pot duce la inactivarea firmei. Cum se aplică termenul de 5 luni explicat de contabil</news:title>
      <news:keywords>Cosmin Dumitrașcu, curs valutar, dobânzi variabile, inactivitate fiscală, situații financiare</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/inactivitate-fiscala.jpg</image:loc>
      <image:caption>Fișiere metalice într-un birou sobru</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/politica/luca-niculescu-a-primit-votul-parlamentului-pentru-noul-guvern-cu-280/</loc>
    <lastmod>2026-10-21T12:30:35+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-21T11:19:37+03:00</news:publication_date>
      <news:title>Claudiu Manda cere fonduri urgente pentru spitale și școli, cu sprijinul PNL limitat de condițiile fiscale</news:title>
      <news:keywords>buget 2027, Ilie Bolojan, învestirea Guvernului, Luca Niculescu, PNL</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/rectificare-bugetara-1.jpg</image:loc>
      <image:caption>Imagine ilustrativă</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/companii/elon-musk-analizeaza-unirea-tesla-cu-spacex-fuziunea-depinde-de-acordul/</loc>
    <lastmod>2026-10-21T09:51:50+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-21T09:51:48+03:00</news:publication_date>
      <news:title>Elon Musk analizează unirea Tesla cu SpaceX. Fuziunea depinde de acordul acționarilor</news:title>
      <news:keywords>bursa, Elon Musk, fuziuni, SpaceX, Tesla</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/fuziune-tesla-spacex.jpg</image:loc>
      <image:caption>Elon Musk fuziune</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/finante-personale/cum-se-verifica-factura-de-electricitate-ofertele-din-octombrie-difera/</loc>
    <lastmod>2026-10-21T10:00:50+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-21T09:50:06+03:00</news:publication_date>
      <news:title>Cum se verifică factura de electricitate. Ofertele din octombrie diferă cu 120 de lei la un consum de 300 kWh</news:title>
      <news:keywords>comparare oferte, consumatori vulnerabili, factura de electricitate, Hidroelectrica, prețuri energie</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/factura-de-electricitate.jpg</image:loc>
      <image:caption>Panou electric pentru factura de electricitate</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/politica/guvernul-infiinteaza-doua-functii-de-ministru-delegat/</loc>
    <lastmod>2026-10-21T08:59:26+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-21T08:59:24+03:00</news:publication_date>
      <news:title>Guvernul înființează două funcții de ministru delegat pentru digitalizare și învățământ preuniversitar</news:title>
      <news:keywords>Codul Administrativ, digitalizare, guvern, învăţământ preuniversitar, vicepremier</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/ministru-delegat.jpg</image:loc>
      <image:caption>Sediul Victoria Palace</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/economie/cand-plateste-un-srl-impozitul-de-1-in-2026-si-cand-trece-la-16/</loc>
    <lastmod>2026-10-21T08:32:44+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-21T08:23:12+03:00</news:publication_date>
      <news:title>Când plătește un SRL impozitul de 1% în 2026 și când trece la 16% pe profit. Condițiile și calculele pentru firme</news:title>
      <news:keywords>fiscalitate 2026, impozit micro, impozit pe profit, microintreprinderi, SRL</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/impozit-micro-2026-1.jpg</image:loc>
      <image:caption>Utilaj industrial într-o hală de producție</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/economie/luca-niculescu-preia-guvernarea-cu-sustinere-temporara-pentru-reducerea/</loc>
    <lastmod>2026-10-21T21:37:57+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-21T08:22:12+03:00</news:publication_date>
      <news:title>Siegfried Mureșan avertizează că PSD poate pune în pericol banii publici în Guvernul Luca Niculescu</news:title>
      <news:keywords>buget 2027, deficit bugetar, guvern, Luca Niculescu, rating suveran</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/siegfried-muresan.jpg</image:loc>
      <image:caption>Siegfried Mureșan avertizează că PSD poate pune în pericol banii publici în Guvernul Luca Niculescu</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/finante-personale/cum-se-compara-dobanzile-fidelis-cu-inflatia-de-6-61-si-ce-conditii/</loc>
    <lastmod>2026-10-21T06:21:01+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-21T06:14:04+03:00</news:publication_date>
      <news:title>Cum se compară dobânzile FIDELIS cu inflația de 6,61% și ce condiții aveau investițiile din octombrie</news:title>
      <news:keywords>credite, dobânzi, FIDELIS, inflație, titluri de stat</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/dobanzi-fidelis.webp</image:loc>
      <image:caption>Dobânzi FIDELIS pe ecran albastru</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/tehnologie/ce-primeste-cumparatorul-pentru-cei-200-de-dolari-in-plus-la-dell-xps-13/</loc>
    <lastmod>2026-10-21T01:03:39+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-21T01:03:36+03:00</news:publication_date>
      <news:title>Ce primește cumpărătorul pentru cei 200 de dolari în plus la Dell XPS 13</news:title>
      <news:keywords>Dell XPS 13, laptopuri, MacBook Air, memorie RAM, prețuri laptopuri</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/laptop-cu-16-gb-ram.jpg</image:loc>
      <image:caption>Laptop Dell cu 16 GB RAM</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/inteligenta-artificiala/verificarea-continutului-ai-dureaza-mai-mult-decat-lucrul-de-la-zero/</loc>
    <lastmod>2026-10-21T00:57:25+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-21T00:57:23+03:00</news:publication_date>
      <news:title>Verificarea conținutului AI durează mai mult decât lucrul de la zero pentru 39% dintre respondenții Use.AI</news:title>
      <news:keywords>Companii, costuri, inteligenta artificiala, productivitate, Use.AI</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/productivitate-ai.jpg</image:loc>
      <image:caption>Laptop și mouse pentru productivitate AI</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/bursa/tranzactiile-cu-actiuni-au-adus-la-bvb-un-rulaj-cu-15-1-mai-mare/</loc>
    <lastmod>2026-10-20T23:48:17+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-20T23:48:16+03:00</news:publication_date>
      <news:title>Tranzacțiile cu acțiuni au adus la BVB un rulaj cu 15,1% mai mare, prin mai puține operațiuni</news:title>
      <news:keywords>acțiuni, Banca Transilvania, BET, BVB, OMV Petrom</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/tranzactii-bvb.jpg</image:loc>
      <image:caption>Sediul Bucharest Stock Exchange’s</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/economie/lia-olguta-vasilescu-acuza-amanarea-platilor-catre-firme/</loc>
    <lastmod>2026-10-21T13:47:45+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-20T23:10:12+03:00</news:publication_date>
      <news:title>Grindeanu include 5 miliarde de lei pentru sentințe în necesarul estimat înaintea rectificării bugetare</news:title>
      <news:keywords>buget de stat, investiții publice, Lia Olguța Vasilescu, plăți restante, rectificare bugetara</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/psk-agentie-rectificare-bugetara-3-scaled.jpg</image:loc>
      <image:caption>rectificare bugetară, Grindeanu include 5 miliarde de lei pentru sentințe în necesarul estimat înaintea rectificării bugetare</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/economie/luca-niculescu-indica-digitalizarea-ca-raspuns-la-evaziunea-fiscala/</loc>
    <lastmod>2026-10-20T22:40:13+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-20T21:45:41+03:00</news:publication_date>
      <news:title>Luca Niculescu mizează pe ministrul digitalizării pentru încasări fiscale mai bune din 2027</news:title>
      <news:keywords>digitalizare, evaziune fiscala, guvern, Luca Niculescu, Pilonul doi</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/luca-niculescu-1.jpg</image:loc>
      <image:caption>Sediul unei instituții din București</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/finante-personale/cum-poate-fi-redusa-factura-la-energie-folosind-alerta-de-consum/</loc>
    <lastmod>2026-10-20T21:43:11+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-20T21:32:17+03:00</news:publication_date>
      <news:title>Cum poate fi redusă factura la energie folosind alerta de consum de până la 80% și compararea ofertelor</news:title>
      <news:keywords>ajutor pentru incalzire, ANRE, consum electricitate, factura la energie, prize inteligente</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/reducerea-facturii-la-energie.jpg</image:loc>
      <image:caption>Reducerea facturii la energie</image:caption>
    </image:image>
  </url>
</urlset>
<!-- NewsEngine News Sitemap | 2026-10-22 20:57:59 | 55 articles -->
