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  <url>
    <loc>https://financiarul.ro/politica/guvernul-niculescu-a-primit-280-de-voturi-pentru-investire/</loc>
    <lastmod>2026-10-20T19:53:47+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-20T19:53:45+03:00</news:publication_date>
      <news:title>Guvernul Niculescu a primit 280 de voturi pentru învestire</news:title>
      <news:keywords>buget 2027, Luca Niculescu, PNL, PSD, rectificare bugetara</news:keywords>
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      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/guvernul-niculescu.jpg</image:loc>
      <image:caption>Palatul Parlamentului din București, sediul unde a avut loc votul de învestire</image:caption>
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  <url>
    <loc>https://financiarul.ro/finante-personale/schimbarea-ecranului-original-la-galaxy-s24-ultra-are-un-tarif-afisat/</loc>
    <lastmod>2026-10-20T19:38:40+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-20T19:30:23+03:00</news:publication_date>
      <news:title>Schimbarea ecranului original la Galaxy S24 Ultra are un tarif afișat de 1.260 lei</news:title>
      <news:keywords>depreciere, dreptul la reparare, Reparații telefoane, Samsung Galaxy S24 Ultra</news:keywords>
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      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/reparatie-ecran-samsung-galaxy-s24-ultra.jpg</image:loc>
      <image:caption>Samsung Galaxy S24 Ultra la reparație</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/finante-si-banci/ing-nu-poate-inchide-contul-gazprom-international-projects-pana/</loc>
    <lastmod>2026-10-20T19:06:05+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-20T19:06:03+03:00</news:publication_date>
      <news:title>ING nu poate închide contul Gazprom International Projects până când compania găsește altă bancă, a decis tribunalul</news:title>
      <news:keywords>Gazprom International Projects, ING, sancţiuni europene, servicii bancare, Tribunalul din Amsterdam</news:keywords>
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      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/ing-gazprom-international-projects.jpg</image:loc>
      <image:caption>Ghișeul de recepție al unei instituții financiare din orașul Amsterdam</image:caption>
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  </url>
  <url>
    <loc>https://financiarul.ro/finante-personale/cum-se-calculeaza-ponderea-chiriei-in-venit-si-de-ce-reperul-de-40/</loc>
    <lastmod>2026-10-20T18:01:59+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-20T17:54:41+03:00</news:publication_date>
      <news:title>Cum se calculează ponderea chiriei în venit și de ce reperul de 40% pentru rate nu stabilește bugetul locuinței</news:title>
      <news:keywords>buget personal, chirii, Grad de îndatorare, piața imobiliară, venit net</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/ponderea-chiriei-in-venit.jpg</image:loc>
      <image:caption>Amenajare modernă a unei locuințe tip garsonieră oferită spre închiriere</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/economie/brent-ajunge-la-111-22-dolari-pe-baril-dupa-loviturile-revendicate/</loc>
    <lastmod>2026-10-20T17:47:12+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-20T17:39:07+03:00</news:publication_date>
      <news:title>Brent ajunge la 111,22 dolari pe baril după loviturile revendicate de Houthi în Arabia Saudită</news:title>
      <news:keywords>Arabia Saudită, Brent, carburanti, petrol, Strâmtoarea Ormuz</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/pretul-petrolului.jpg</image:loc>
      <image:caption>Pompe pentru extracția țițeiului aflate într-un câmp petrolifer de suprafață</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/finante-si-banci/bnr-anticipeaza-ca-inflatia-va-depasi-in-decembrie-2026-prognoza-de-6-1/</loc>
    <lastmod>2026-10-20T17:34:54+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-20T17:34:53+03:00</news:publication_date>
      <news:title>BNR anticipează că inflația va depăși în decembrie 2026 prognoza de 6,1%</news:title>
      <news:keywords>BNR, dobânzi, inflație, politică monetară, prețuri</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/inflatie.jpg</image:loc>
      <image:caption>Bancnote și grafice privind inflația</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/finante-si-banci/bnr-vede-inflatia-peste-6-1-la-final-de-2026-si-pastreaza-dobanda-cheie/</loc>
    <lastmod>2026-10-20T17:32:29+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-20T17:32:28+03:00</news:publication_date>
      <news:title>BNR vede inflația peste 6,1% la final de 2026 și păstrează dobânda-cheie la 6,50%</news:title>
      <news:keywords>BNR, curs valutar, dobânda-cheie, inflație, politică monetară</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/inflatie-bnr-2026.jpg</image:loc>
      <image:caption>Sediul National Bank of Romania</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/politica/luca-niculescu-convoaca-prima-sedinta-a-noului-guvern-in-seara/</loc>
    <lastmod>2026-10-20T18:53:38+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-20T17:31:33+03:00</news:publication_date>
      <news:title>Cornel Olendraru devine consilier prezidențial după plecarea lui Costreie în Guvernul Niculescu</news:title>
      <news:keywords>criză politică, guvern, învestire, Luca Niculescu, parlament</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/psk-agentie-guvernul-luca-niculescu-4.jpg</image:loc>
      <image:caption>Guvernul Luca Niculescu, Nicușor Dan semnează trei decrete pentru intrarea lui Neculăescu și Costreie în Guvernul Niculescu</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/politica/parlamentul-a-aprobat-guvernul-luca-niculescu-cu-280-de-voturi/</loc>
    <lastmod>2026-10-20T17:40:02+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-20T16:59:12+03:00</news:publication_date>
      <news:title>Luca Niculescu și miniștrii săi vor depune marți jurământul în fața președintelui Nicușor Dan</news:title>
      <news:keywords>Alexandru Nazare, Guvernul Luca Niculescu, învestire, parlament, program de guvernare</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/psk-agentie-guvernul-luca-niculescu-2.jpg</image:loc>
      <image:caption>Guvernul Luca Niculescu, Luca Niculescu și miniștrii săi vor depune marți jurământul în fața președintelui Nicușor Dan</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/economie/luca-niculescu-promite-reluarea-indexarii-pensiilor-din-2027-in-limita/</loc>
    <lastmod>2026-10-20T17:00:30+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-20T16:54:49+03:00</news:publication_date>
      <news:title>Luca Niculescu promite reluarea indexării pensiilor din 2027, în limita reducerii deficitului</news:title>
      <news:keywords>buget 2027, deficit bugetar, indexarea pensiilor, Luca Niculescu, pensii</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/psk-agentie-indexarea-pensiilor.jpg</image:loc>
      <image:caption>Promisiunea indexării pensiilor</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/finante-si-banci/ratele-calculate-cu-robor-si-ircc-la-20-octombrie-2026-sunt-mai-mici/</loc>
    <lastmod>2026-10-20T15:53:56+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-20T15:53:55+03:00</news:publication_date>
      <news:title>Ratele calculate cu ROBOR și IRCC la 20 octombrie 2026 sunt mai mici decât acum un an. Diferențele pentru patru credite</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-8.png</image:loc>
      <image:caption>ROBOR la 3 luni în ultimele 12 luni</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/finante-personale/cum-se-taxeaza-retragerile-din-pilonul-ii-peste-pragul-de-3-000-lei/</loc>
    <lastmod>2026-10-20T14:34:57+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-20T14:34:56+03:00</news:publication_date>
      <news:title>Cum se taxează retragerile din Pilonul II peste pragul de 3.000 lei și ce opțiuni de încasare există în 2027</news:title>
      <news:keywords>CASS, impozit pe pensii, pensii private, Pilonul II, plata pensiilor</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/taxe-pilonul-ii.jpg</image:loc>
      <image:caption>Economii și bancnote în lei românești</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/economie/pretul-energiei-pentru-20-octombrie-a-ajuns-la-1-639-69-lei-mwh/</loc>
    <lastmod>2026-10-20T13:31:49+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-20T13:31:47+03:00</news:publication_date>
      <news:title>Prețul energiei pentru 20 octombrie a ajuns la 1.639,69 lei/MWh la București, pe fondul problemelor din producție</news:title>
      <news:keywords>Cernavoda, energie electrică, OPCOM, preț energie, PZU</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/pret-energie-electrica-pzu.jpg</image:loc>
      <image:caption>Reactor la Romania’s Cernavodă</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/investitii/cum-sa-te-protejezi-ca-investitor-dupa-atacul-cibernetic-de-la-depozitarul-central/</loc>
    <lastmod>2026-10-20T12:23:13+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-20T12:23:13+03:00</news:publication_date>
      <news:title>Cum să te protejezi ca investitor după atacul cibernetic de la Depozitarul Central</news:title>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/ecran-grafice-bursiere.jpg</image:loc>
      <image:caption>Ecran de computer cu grafice de prețuri și liste de cotații bursiere</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/finante-personale/cand-se-adauga-25-de-lei-comenzilor-externe-si-cum-se-calculeaza-taxa/</loc>
    <lastmod>2026-10-20T12:24:12+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-20T12:18:24+03:00</news:publication_date>
      <news:title>Când se adaugă 25 de lei comenzilor externe și cum se calculează taxa europeană pentru fiecare categorie de produse</news:title>
      <news:keywords>colete, comerț electronic, Shein, taxe vamale, Temu</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/taxe-colete.jpg</image:loc>
      <image:caption>Mai multe colete și pachete de diferite dimensiuni livrate la ușă</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/economie/moody-s-leaga-credibilitatea-fiscala-a-romaniei-de-bugetul-pe-2027/</loc>
    <lastmod>2026-10-20T19:41:04+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-20T12:06:52+03:00</news:publication_date>
      <news:title>Luca Niculescu anunță prima ședință a noului Guvern pentru seara învestirii</news:title>
      <news:keywords>Alexandru Nazare, buget 2027, deficit bugetar, Moody’s, rating de tara</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/guvernul-luca-niculescu-1.jpg</image:loc>
      <image:caption>Masă oficială pregătită pentru prima ședință a noului executiv</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/finante-si-banci/raiffeisen-a-primit-aprobarea-concurentei-pentru-cumpararea-garanti/</loc>
    <lastmod>2026-10-20T11:42:27+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-20T11:42:25+03:00</news:publication_date>
      <news:title>Raiffeisen a primit aprobarea Concurenței pentru cumpărarea Garanti BBVA la 591 milioane de euro</news:title>
      <news:keywords>achiziții bancare, Consiliul Concurenței, Garanti BBVA, leasing, Raiffeisen Bank</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/achizitia-garanti-bbva.jpg</image:loc>
      <image:caption>Sediul Raiffeisen Bank</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/constructii/lucrarile-la-cladirile-rezidentiale-au-inregistrat-un-avans-de-22-9/</loc>
    <lastmod>2026-10-20T11:36:21+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-20T11:36:19+03:00</news:publication_date>
      <news:title>Lucrările la clădirile rezidențiale au înregistrat un avans de 22,9% în ianuarie-august 2026</news:title>
      <news:keywords>clădiri rezidențiale, Construcţii, economie, INS, statistica</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/volumul-lucrarilor-de-constructii.jpg</image:loc>
      <image:caption>Volumul lucrărilor de construcții rezidențiale</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/economie/petrolul-brent-se-mentine-la-110-dolari-pe-baril-sustinut-de-riscul/</loc>
    <lastmod>2026-10-20T11:28:29+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-20T11:28:27+03:00</news:publication_date>
      <news:title>Petrolul Brent se menține la 110 dolari pe baril, susținut de riscul unor noi atacuri în Strâmtoarea Hormuz</news:title>
      <news:keywords>gaze naturale, petrol Brent, piețe financiare, strâmtoarea Hormuz, WTI</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/petrol-brent-3.jpg</image:loc>
      <image:caption>Fum gros dintr-un depozit de petrol</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/actualitate/leonardo-badea%c2%b8-prim-viceguvernator-bnr-decalajul-azazel-cand-tehnologia-poate-avansa-mai-repede-decat-capacitatea-societatii-de-a-o-guverna/</loc>
    <lastmod>2026-10-20T10:10:28+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-20T10:10:28+03:00</news:publication_date>
      <news:title>Leonardo Badea¸ Prim-viceguvernator BNR: Decalajul Azazel, când tehnologia poate avansa mai repede decât capacitatea societății de a o guverna</news:title>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2025/11/Leonardo-Badea-Prim-viceguvernator-BNR.jpg</image:loc>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/companii/jumbo-raporteaza-vanzari-cu-7-mai-mici-in-romania-in-contrast/</loc>
    <lastmod>2026-10-20T08:30:15+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-20T08:30:13+03:00</news:publication_date>
      <news:title>Jumbo raportează vânzări cu 7% mai mici în România, în contrast cu avansul din Grecia și Bulgaria</news:title>
      <news:keywords>inflație, investiții grecești, Jumbo, PNRR, rating suveran</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/companii-grecesti-in-romania.jpg</image:loc>
      <image:caption>Lăzi din plastic pentru depozitare într-un magazin de profil</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/finante-personale/castigurile-bursiere-din-2026-se-impoziteaza-cu-3-6-sau-16/</loc>
    <lastmod>2026-10-20T08:20:54+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
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