<?xml version="1.0" encoding="UTF-8"?>
<?xml-stylesheet type="text/xsl" href="https://cnsmro.ro/wp-sitemap.xsl" ?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"><url><loc>https://cnsmro.ro/</loc><lastmod>2026-08-19T16:14:34+03:00</lastmod></url><url><loc>https://cnsmro.ro/home/sectiunea-1/</loc><lastmod>2018-01-10T16:28:08+02:00</lastmod></url><url><loc>https://cnsmro.ro/home/sectiunea-2/</loc><lastmod>2020-12-31T12:51:08+02:00</lastmod></url><url><loc>https://cnsmro.ro/home/sectiunea-3/</loc><lastmod>2021-06-07T17:34:28+03:00</lastmod></url><url><loc>https://cnsmro.ro/despre/</loc><lastmod>2017-04-11T14:36:06+03:00</lastmod></url><url><loc>https://cnsmro.ro/despre/misiune/</loc><lastmod>2017-09-05T13:10:41+03:00</lastmod></url><url><loc>https://cnsmro.ro/despre/atributii/</loc><lastmod>2017-09-07T11:36:05+03:00</lastmod></url><url><loc>https://cnsmro.ro/despre/organizare/</loc><lastmod>2026-09-08T10:50:03+03:00</lastmod></url><url><loc>https://cnsmro.ro/despre/cadru-juridic/</loc><lastmod>2022-11-28T10:25:16+02:00</lastmod></url><url><loc>https://cnsmro.ro/politica-macroprudentiala/</loc><lastmod>2017-04-11T14:37:07+03:00</lastmod></url><url><loc>https://cnsmro.ro/politica-macroprudentiala/lista-avertizarilor/</loc><lastmod>2022-12-22T17:18:46+02:00</lastmod></url><url><loc>https://cnsmro.ro/media/</loc><lastmod>2017-04-11T14:37:53+03:00</lastmod></url><url><loc>https://cnsmro.ro/despre/programul-evenimentelor/</loc><lastmod>2017-06-13T13:29:55+03:00</lastmod></url><url><loc>https://cnsmro.ro/media/comunicate-de-presa/</loc><lastmod>2017-04-11T14:38:04+03:00</lastmod></url><url><loc>https://cnsmro.ro/media/prezentari-si-interviuri/</loc><lastmod>2022-12-23T11:45:34+02:00</lastmod></url><url><loc>https://cnsmro.ro/publicatii/</loc><lastmod>2017-04-11T14:38:16+03:00</lastmod></url><url><loc>https://cnsmro.ro/publicatii/rapoarte/</loc><lastmod>2025-11-12T10:05:20+02:00</lastmod></url><url><loc>https://cnsmro.ro/publicatii/tablou-de-bord-al-riscurilor/</loc><lastmod>2017-06-19T00:47:25+03:00</lastmod></url><url><loc>https://cnsmro.ro/contact/</loc><lastmod>2017-06-14T16:14:28+03:00</lastmod></url><url><loc>https://cnsmro.ro/home/</loc><lastmod>2017-04-11T14:38:38+03:00</lastmod></url><url><loc>https://cnsmro.ro/link-uri/</loc><lastmod>2022-12-23T15:00:51+02:00</lastmod></url><url><loc>https://cnsmro.ro/despre/intrebari-frecvente/</loc><lastmod>2022-12-23T11:58:54+02:00</lastmod></url><url><loc>https://cnsmro.ro/despre/cadru-juridic/legea-122017/</loc><lastmod>2017-12-22T09:51:02+02:00</lastmod></url><url><loc>https://cnsmro.ro/statistica/</loc><lastmod>2025-12-15T09:20:07+02:00</lastmod></url><url><loc>https://cnsmro.ro/politica-macroprudentiala/lista-recomandarilor/banci/</loc><lastmod>2018-11-19T13:52:20+02:00</lastmod></url><url><loc>https://cnsmro.ro/despre/cadru-juridic/politica-de-utilizare-cookies/</loc><lastmod>2018-05-30T17:09:04+03:00</lastmod></url><url><loc>https://cnsmro.ro/politica-macroprudentiala/lista-recomandarilor/anexele-recomandarilor/</loc><lastmod>2018-11-19T13:49:51+02:00</lastmod></url><url><loc>https://cnsmro.ro/politica-macroprudentiala/cadrul-de-ansamblu-privind-strategia-politicii-macroprudentiale/</loc><lastmod>2018-06-20T14:49:23+03:00</lastmod></url><url><loc>https://cnsmro.ro/politica-macroprudentiala/cadrul-de-ansamblu-privind-strategia-politicii-macroprudentiale/anexa-1-cadrul-de-ansamblu-privind-strategia-politicii-macroprudentiale-a-comitetului-national-pentru-supravegherea-macroprudentiala/</loc><lastmod>2018-06-19T18:38:29+03:00</lastmod></url><url><loc>https://cnsmro.ro/anexa-1a-lista-instrumentelor-macroprudentiale/</loc><lastmod>2018-06-19T18:33:49+03:00</lastmod></url><url><loc>https://cnsmro.ro/politica-macroprudentiala/alte-masuri-macroprudentiale/</loc><lastmod>2018-06-27T15:54:34+03:00</lastmod></url><url><loc>https://cnsmro.ro/politica-macroprudentiala/alte-masuri-macroprudentiale/reciprocitatea-masurilor-macroprudentiale/</loc><lastmod>2025-12-30T11:54:18+02:00</lastmod></url><url><loc>https://cnsmro.ro/politica-macroprudentiala/lista-recomandarilor/</loc><lastmod>2020-05-11T16:42:28+03:00</lastmod></url><url><loc>https://cnsmro.ro/politica-macroprudentiala/lista-recomandarilor-2017/</loc><lastmod>2018-11-19T15:57:28+02:00</lastmod></url><url><loc>https://cnsmro.ro/politica-macroprudentiala/lista-recomandarilor/lista-actualizata-a-bancilor-sistemice-si-amortizorul-pentru-alte-institutii-de-importanta-sistemica-amortizorul-o-sii-aplicabil-in-anul-2019/</loc><lastmod>2018-11-19T15:47:51+02:00</lastmod></url><url><loc>https://cnsmro.ro/politica-macroprudentiala/opinia-consultativa-cnsm-nr-oc12018/</loc><lastmod>2018-12-19T16:50:04+02:00</lastmod></url><url><loc>https://cnsmro.ro/politica-macroprudentiala/modul-de-implementare-de-catre-destinatari-a-recomandarilor-emise-de-cnsm/</loc><lastmod>2020-05-11T14:18:47+03:00</lastmod></url><url><loc>https://cnsmro.ro/politica-macroprudentiala/opinii-consultative/</loc><lastmod>2019-10-08T15:53:55+03:00</lastmod></url><url><loc>https://cnsmro.ro/politica-macroprudentiala/lista-recomandarilor/lista-actualizata-a-bancilor-sistemice-si-amortizorul-pentru-alte-institutii-de-importanta-sistemica-amortizorul-o-sii-aplicabil-in-anul-2020/</loc><lastmod>2019-11-27T16:30:12+02:00</lastmod></url><url><loc>https://cnsmro.ro/politica-macroprudentiala/lista-recomandarilor-2020/</loc><lastmod>2020-12-21T10:37:07+02:00</lastmod></url><url><loc>https://cnsmro.ro/politica-macroprudentiala/modul-de-implementare-de-catre-destinatari-a-recomandarilor-emise-de-cnsm-2019/</loc><lastmod>2021-04-01T16:41:07+03:00</lastmod></url><url><loc>https://cnsmro.ro/publicatii/studii-si-analize/</loc><lastmod>2025-10-16T10:17:21+03:00</lastmod></url><url><loc>https://cnsmro.ro/politica-macroprudentiala/lista-recomandarilor-2020/lista-actualizata-a-bancilor-sistemice-si-amortizorul-pentru-alte-institutii-de-importanta-sistemica-amortizorul-o-sii-aplicabil-in-anul-2021/</loc><lastmod>2020-11-23T16:51:02+02:00</lastmod></url><url><loc>https://cnsmro.ro/politica-macroprudentiala/lista-recomandarilor-2021/</loc><lastmod>2022-01-03T15:29:16+02:00</lastmod></url><url><loc>https://cnsmro.ro/politica-macroprudentiala/modul-de-implementare-de-catre-destinatari-a-recomandarilor-emise-de-cnsm-2020/</loc><lastmod>2022-12-23T12:00:24+02:00</lastmod></url><url><loc>https://cnsmro.ro/politica-macroprudentiala/armonizarea-cu-legislatia-europeana/</loc><lastmod>2021-04-13T13:57:39+03:00</lastmod></url><url><loc>https://cnsmro.ro/decizii-privind-conformareaintentia-de-conformare-cu-prevederile-ghidurilor-emise-de-autoritatea-bancara-europeana/</loc><lastmod>2024-06-25T12:42:55+03:00</lastmod></url><url><loc>https://cnsmro.ro/decizii-privind-conformareaintentia-de-conformare-cu-prevederile-ghidurilor-emise-de-autoritatea-bancara-europeana/aprobarea-intentiei-de-conformare-a-cnsm-cu-prevederile-ghidului-autoritatii-bancare-europene-privind-detalierea-si-publicarea-indicatorilor-de-importanta-sistemica-ebagl202014/</loc><lastmod>2021-04-13T17:38:14+03:00</lastmod></url><url><loc>https://cnsmro.ro/decizii-privind-conformareaintentia-de-conformare-cu-prevederile-ghidurilor-emise-de-autoritatea-bancara-europeana/aprobarea-conformarii-cnsm-cu-prevederile-ghidului-abe-privind-subseturile-adecvate-de-expuneri-sectoriale-carora-autoritatile-competente-sau-desemnate-le-pot-aplica-un-amortizor-de-risc-sistemic-in-c/</loc><lastmod>2021-04-29T11:57:04+03:00</lastmod></url><url><loc>https://cnsmro.ro/media/evenimente/</loc><lastmod>2021-06-07T17:19:42+03:00</lastmod></url><url><loc>https://cnsmro.ro/media/evenimente/raportul-cnsm-pentru-sprijinirea-finantarii-verzi/</loc><lastmod>2021-06-28T16:09:40+03:00</lastmod></url><url><loc>https://cnsmro.ro/home/events/</loc><lastmod>2025-06-24T11:04:55+03:00</lastmod></url><url><loc>https://cnsmro.ro/publicatii/studii-si-analize/grupul-de-lucru-cnsm-privind-diminuarea-vulnerabilitatilor-provenind-din-cresterea-deficitului-balantei-comerciale-cu-produse-agroalimentare/</loc><lastmod>2026-09-08T11:14:11+03:00</lastmod></url><url><loc>https://cnsmro.ro/publicatii/studii-si-analize/grupul-de-lucru-cnsm-pentru-sprijinirea-finantarii-verzi/</loc><lastmod>2024-01-09T16:23:14+02:00</lastmod></url><url><loc>https://cnsmro.ro/politica-macroprudentiala/lista-recomandarilor-2021/lista-actualizata-a-bancilor-sistemice-si-amortizorul-pentru-alte-institutii-de-importanta-sistemica-amortizorul-o-sii-aplicabil-in-anul-2022/</loc><lastmod>2022-01-13T10:36:53+02:00</lastmod></url><url><loc>https://cnsmro.ro/politica-macroprudentiala/lista-recomandarilor-2022/</loc><lastmod>2023-03-24T16:20:20+02:00</lastmod></url><url><loc>https://cnsmro.ro/publicatii/studii-si-analize/grupului-de-lucru-cnsm-pentru-cresterea-sustenabila-a-intermedierii-financiare/</loc><lastmod>2024-01-26T12:28:55+02:00</lastmod></url><url><loc>https://cnsmro.ro/politica-macroprudentiala/modul-de-implementare-de-catre-destinatari-a-recomandarilor-emise-de-cnsm-2/</loc><lastmod>2026-08-19T16:45:11+03:00</lastmod></url><url><loc>https://cnsmro.ro/politica-macroprudentiala/lista-recomandarilor-2022/lista-actualizata-a-bancilor-sistemice-si-amortizorul-pentru-alte-institutii-de-importanta-sistemica-amortizorul-o-sii-aplicabil-in-anul-2023/</loc><lastmod>2022-11-24T17:22:30+02:00</lastmod></url><url><loc>https://cnsmro.ro/comunicat-privind-intentia-de-conformare-a-cnsm-cu-prevederile-ghidul-ebagl202212-de-modificare-a-ghidului-ebagl202014-privind-detalierea-si-publicarea-indicatorilor-de-importanta-sistemica/</loc><lastmod>2022-12-20T16:42:34+02:00</lastmod></url><url><loc>https://cnsmro.ro/politica-macroprudentiala/cadrul-de-ansamblu-privind-strategia-politicii-macroprudentiale/amortizoarele-de-capital/</loc><lastmod>2026-08-11T11:44:21+03:00</lastmod></url><url><loc>https://cnsmro.ro/lista-recomandari/</loc><lastmod>2026-09-08T10:44:35+03:00</lastmod></url><url><loc>https://cnsmro.ro/politica-macroprudentiala/lista-recomandarilor-2020/lista-actualizata-a-bancilor-sistemice-si-amortizorul-pentru-alte-institutii-de-importanta-sistemica-amortizorul-o-sii-aplicabil-in-anul-2024/</loc><lastmod>2023-11-21T16:45:08+02:00</lastmod></url><url><loc>https://cnsmro.ro/lista-recomandari-2023/</loc><lastmod>2024-04-08T11:20:54+03:00</lastmod></url><url><loc>https://cnsmro.ro/comunicat-privind-intentia-de-conformare-a-cnsm-cu-prevederile-ghidului-ebagl202310-de-modificare-a-ghidului-ebagl202014-privind-detalierea-si-publicarea-indicatorilor-de-importanta-sistemica/</loc><lastmod>2024-06-25T12:31:58+03:00</lastmod></url><url><loc>https://cnsmro.ro/informatii-privind-lista-actualizata-a-bancilor-sistemice-si-amortizorul-pentru-alte-institutii-de-importanta-sistemica-amortizorul-o-sii-aplicabil-incepand-cu-1-aprilie-2025/</loc><lastmod>2025-01-20T17:31:51+02:00</lastmod></url><url><loc>https://cnsmro.ro/publicatii/studii-si-analize/analiza-grupului-de-lucru-cnsm-privind-programele-guvernamentale-de-garantare-a-creditelor/</loc><lastmod>2025-10-16T10:10:03+03:00</lastmod></url></urlset>
