<?xml version="1.0" encoding="UTF-8"?><urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:image="http://www.google.com/schemas/sitemap-image/1.1"><url><loc>https://www.businessday.co.za/business-times/2026-10-31-andile-stemela-why-the-nef-deserves-greater-support/</loc><lastmod>2026-10-31T22:00:11.809Z</lastmod><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessday.co.za/resizer/v2/BUAMWWRT7NCB7MJSDXGYPMLZBI.jpg?auth=e67b6b88ecc09db4544eb0940beffc914644204d52ab3ee75e4eacf8b16259e7&amp;smart=true&amp;width=1200&amp;height=900</image:loc><image:caption><![CDATA[South Africa often treats transformation finance as a social allocation to be weighed against 'productive' expenditure but that framing is economically wrong, writes the author. Graphic: Dorothy Kgosi]]></image:caption></image:image></url><url><loc>https://www.businessday.co.za/business-times/2026-10-31-arthur-goldstuck-trust-is-the-new-bottleneck-of-ai/</loc><lastmod>2026-10-31T22:00:11.675Z</lastmod><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessday.co.za/resizer/v2/OPYSUJ6JSZDIVHLXBHQ7SN3ZWU.JPG?auth=91b8b48f513106331d7793d0730f5cc9fed8f2cf894fa4052e01e23ea5c867c5&amp;smart=true&amp;width=1200&amp;height=900</image:loc><image:caption><![CDATA[Security, transparency and human oversight emerge as critical to AI’s workplace acceptance. File photo: Reuters/Dado Ruvic]]></image:caption></image:image></url><url><loc>https://www.businessday.co.za/business-times/business/2026-10-31-sharon-taylor-how-to-unlock-africas-youth-dividend-and-create-growth/</loc><lastmod>2026-10-31T22:00:09.371Z</lastmod><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessday.co.za/resizer/v2/Y3GBKR43WRHPDMXFVE5NJ5EIS4.jpg?auth=057505708ec220e7068caac2fcc7c0319208f5157b14cf1fc30dd9ec476e5a58&amp;smart=true&amp;width=1200&amp;height=900</image:loc><image:caption><![CDATA[Across the continent, many young Africans are taking their futures into their own hands, creating businesses and challenging established ways of working, writes the author. Picture: Fizkes]]></image:caption></image:image></url><url><loc>https://www.businessday.co.za/business-times/business/2026-10-31-luncedo-mtwentwe-south-africas-economic-future-is-not-set-in-stone/</loc><lastmod>2026-10-31T22:00:09.293Z</lastmod><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessday.co.za/resizer/v2/DVY6VWSOQVCKBGHG75R5OR6BCI?auth=e81bb40cb664ae4efc000e6065d01cc69226b1e75d24906f9514877d7f40399a&amp;smart=true&amp;width=1200&amp;height=900</image:loc><image:caption><![CDATA[Botswana's President Duma Boko. Picture: Reuters/Thalefang Charles]]></image:caption></image:image></url><url><loc>https://www.businessday.co.za/business-times/2026-10-31-hannah-marais-how-to-achieve-a-virtuous-cycle-for-the-economy/</loc><lastmod>2026-10-31T22:00:08.439Z</lastmod><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessday.co.za/resizer/v2/RYJVRMMLABFONPJBZFZFLBO3VQ.jpeg?auth=0dacc8a26d55032cc804bb6700f5f779a0ac3870c66fe3c4671ca2fb309a735b&amp;smart=true&amp;width=1200&amp;height=900</image:loc><image:caption><![CDATA[Finance minister Enoch Godongwana. File photo: Kopano Tlape/GCIS]]></image:caption></image:image></url><url><loc>https://www.businessday.co.za/business-times/2026-10-31-shameel-joosub-from-yebo-gogo-to-a-brave-new-ai-world-for-africa/</loc><lastmod>2026-10-31T22:00:06.994Z</lastmod><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessday.co.za/resizer/v2/6LUGAZWFUFP5JPL7N6B5QWCXAY.jpg?auth=fd1edc4cde9b23e019264fe8244bb79eda45ed8040e2ee13a941e1c2a9577779&amp;smart=true&amp;width=1200&amp;height=900</image:loc><image:caption><![CDATA[Our approach is clear: customers should know when they are dealing with AI, says the writer. Stock photo: 123RF]]></image:caption></image:image></url><url><loc>https://www.businessday.co.za/business-times/2026-10-31-assmang-tax-misstep-deepens-motsepe-sacco-mining-feud/</loc><lastmod>2026-10-31T20:04:24.821Z</lastmod><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessday.co.za/resizer/v2/4R4KMNGABVOR5BCRYZIY2HSLUQ.jpg?auth=8b72da4830223957ecfb40860c882b68fb25d9ebbf9002df7344bc121526e7ab&amp;smart=true&amp;width=1200&amp;height=900</image:loc><image:caption><![CDATA[JSE-listed African Rainbow Minerals chair Patrice Motsepe in Johannesburg. Picture: Freddy Mavunda/ Business Day]]></image:caption></image:image></url><url><loc>https://www.businessday.co.za/news/2026-10-31-watch-live-kgalema-motlanthe-foundation-host-economic-policy-summit/</loc><lastmod>2026-10-31T18:25:34.428Z</lastmod><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessday.co.za/resizer/v2/T4S2UHBQZ5DHREO7Y2NGIQ3IRY.jpg?auth=6e87aa585daf7de5cea9c175f96b9584ff650df27f9ffe03ab042319218780d3&amp;smart=true&amp;width=1200&amp;height=900</image:loc><image:caption><![CDATA[Former President Kgalema Motlanthe. Picture: Freddy Mavunda/Business Day]]></image:caption></image:image></url><url><loc>https://www.businessday.co.za/sport/soccer/2026-10-31-thierry-henry-watches-orlando-pirates-extend-dominance-over-kaizer-chiefs/</loc><lastmod>2026-10-31T16:14:46.179Z</lastmod><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessday.co.za/resizer/v2/SVZHWBAODFBWTARUJIZIVAUMXA.JPG?auth=0baf2f08af18f6343e72ed1d80693191d928c90568e59b199c4ac7e6f11e0a8a&amp;smart=true&amp;width=1200&amp;height=900</image:loc><image:caption><![CDATA[Yanela Mbuthuma of Orlando Pirates celebrates goal with teammates during the Betway Premiership 2026/27 match against Kaizer Chiefs at FNB Stadium in Johannesburg on the 31 October 2026.]]></image:caption></image:image></url><url><loc>https://www.businessday.co.za/economy/2026-10-31-eib-says-development-finance-must-bridge-gap-between-capital-and-projects/</loc><lastmod>2026-10-31T15:28:09.611Z</lastmod><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessday.co.za/resizer/v2/HZ6BOKQ2AFMTZDR2YUPRUS6VC4.jpg?auth=270086e436f7d8f8afc1f1073694ace311278567ad20bbc4ff66be171f8f7167&amp;smart=true&amp;width=1200&amp;height=900</image:loc><image:caption><![CDATA[The logo of the European Investment Bank is pictured in the city of Luxembourg, Luxembourg. Picture: Reuters/Eric Vidal]]></image:caption></image:image></url><url><loc>https://www.businessday.co.za/politics/2026-10-30-motlanthe-calls-for-sovereign-wealth-fund-to-drive-investment-and-growth/</loc><lastmod>2026-10-31T14:50:44.322Z</lastmod><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessday.co.za/resizer/v2/AAI6IEKFZZC4FBEYPCB72ZKJ4M.jpg?auth=d4ce5c2dd5c0628c3c35f62a6396d362655aee978ba7180a7ec99c8e98f8980f&amp;smart=true&amp;width=1200&amp;height=900</image:loc><image:caption><![CDATA[Former president Kgalema Motlanthe says a sovereign wealth fund could be financed through a defined share of future mineral and resource revenues, proceeds from state assets and other fiscally sustainable contributions. Picture: Freddy Mavunda ]]></image:caption></image:image></url><url><loc>https://www.businessday.co.za/news/2026-10-31-sa-exports-to-china-jump-25-under-new-policy/</loc><lastmod>2026-10-31T14:18:01.542Z</lastmod><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessday.co.za/resizer/v2/EPLGQFV4XVFJ5I5GUXWWI2OG7U.JPG?auth=f21b6dfd5baf890d0e669ea7519d95d0caaddce642debacbcf0b434b6e0ec830&amp;smart=true&amp;width=1200&amp;height=900</image:loc><image:caption><![CDATA[South African exports to China grew by about 25% from May to August. REUTERS/Maxim Shemetov]]></image:caption></image:image></url><url><loc>https://www.businessday.co.za/business-times/2026-10-31-my-brilliant-career-helping-communities-help-themselves/</loc><lastmod>2026-10-31T14:16:09.479Z</lastmod><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessday.co.za/resizer/v2/CHHEGZC7JFGNTH37NQULGXIEA4.jpg?auth=e601ff6b2913e8be5e47858cb02758b8cf9a50618197068b72ed099fde450146&amp;smart=true&amp;width=1200&amp;height=900</image:loc><image:caption><![CDATA[Unathi Sihlahla is executive director of INMED South Africa. Picture: Supplied]]></image:caption></image:image></url><url><loc>https://www.businessday.co.za/business-times/2026-10-31-action-on-water-security-vital-for-economic-growth-motsepe/</loc><lastmod>2026-10-31T14:15:15.938Z</lastmod><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessday.co.za/resizer/v2/VP4OREM5GNHHRAHTAEU3XMNFS4.jpg?auth=04ead736ef18a7ce57f83f66dc695b44f04a6b16b53a7ae1a6e2675b85be0cbc&amp;smart=true&amp;width=1200&amp;height=900</image:loc><image:caption><![CDATA[Patrice Motsepe says as a trillion-rand industry, mining is a key contributor to the country’s economy and a significant source of government revenue. Picture: Supplied ]]></image:caption></image:image></url><url><loc>https://www.businessday.co.za/business-times/2026-10-31-how-to-cope-when-a-star-staffer-quits/</loc><lastmod>2026-10-31T14:04:50.901Z</lastmod><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessday.co.za/resizer/v2/XJRMNXXHFBP4LHSG2HRRHQTHD4.jpg?auth=5a4c8833c26c04b901b21296a5e49234fd133383e01d4e320b388fcd41df50d5&amp;smart=true&amp;width=1200&amp;height=900</image:loc><image:caption><![CDATA[Losing a high-performing employee can be devastating. Stock photo: 123RF/Aleksandr Davydov]]></image:caption></image:image></url><url><loc>https://www.businessday.co.za/business-times/2026-10-31-township-businesses-hope-for-some-love-from-election-candidates/</loc><lastmod>2026-10-31T13:56:49.349Z</lastmod><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessday.co.za/resizer/v2/ZFUHPUUO4ZDVXIWTFIPY6N43AM.jpeg?auth=644aa704eed16a839afe5f47ea6ebdeff221d33e158f948f2e68e63efe40a433&amp;smart=true&amp;width=1200&amp;height=900</image:loc><image:caption><![CDATA[The founder of the Township Economy Alliance, Bulelani Balabala. Picture: Supplied]]></image:caption></image:image></url><url><loc>https://www.businessday.co.za/business-times/2026-10-31-giving-the-green-economy-a-black-complexion/</loc><lastmod>2026-10-31T13:47:23.846Z</lastmod><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessday.co.za/resizer/v2/TECIM3EBOJF73IMFOVM75ES6TQ?auth=9932c36fa3cddd6f74294a845f04917808820bcb597da1d8cc5d8c0aed1516bd&amp;smart=true&amp;width=1200&amp;height=900</image:loc><image:caption><![CDATA[Shameela Soobramoney, CEO of National Business Initiative. Picture: Kabelo Mokoena]]></image:caption></image:image></url><url><loc>https://www.businessday.co.za/business-times/2026-10-31-reform-tracker-hits-new-high-despite-port-problems/</loc><lastmod>2026-10-31T13:44:40.336Z</lastmod><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessday.co.za/resizer/v2/CVUCHBQR6VHWZNUFPLNRJP3WDU.jpg?auth=cab0e01916e9a8591053aa3b2a298ae541208a308ced362c308b4d0ef6c796f2&amp;smart=true&amp;width=1200&amp;height=900</image:loc><image:caption><![CDATA[Durban Gateway Terminal is grappling with congestion and vessel delays after a systems operating upgrade. Picture: 123RF]]></image:caption></image:image></url><url><loc>https://www.businessday.co.za/business-times/2026-10-31-pick-n-pay-turnaround-finally-gaining-traction/</loc><lastmod>2026-10-31T13:41:02.378Z</lastmod><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessday.co.za/resizer/v2/MNAOMCABYBHDHLBVGII5CY7SPE.jpg?auth=ad51a65fec38ed679cf2fc0f850d2335caecb2faa8cdb788007a586d1e3dbd35&amp;smart=true&amp;width=1200&amp;height=900</image:loc><image:caption><![CDATA[Pick n Pay CEO Sean Summers. Picture: Supplied]]></image:caption></image:image></url><url><loc>https://www.businessday.co.za/business-times/2026-10-31-leapmotor-eyes-african-growth-as-it-targets-sa-customers/</loc><lastmod>2026-10-31T13:38:59.101Z</lastmod><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessday.co.za/resizer/v2/SMJ6YG2MFZA6FPO2AG7LWY5JUQ.jpg?auth=de64b085829616e9ec04ebe4b4bf7704424cdc40af2cce22fcc1095ac25142b4&amp;smart=true&amp;width=1200&amp;height=900</image:loc><image:caption><![CDATA[Stellantis currently operates 34 dealerships nationwide and plans to expand that network to about 48 outlets over the next two years. Picture: Xavier-Alexandre Pons]]></image:caption></image:image></url><url><loc>https://www.businessday.co.za/business-times/2026-10-31-big-read-privatisation-wave-sweeps-state-owned-hospitality-assets/</loc><lastmod>2026-10-31T13:37:23.515Z</lastmod><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessday.co.za/resizer/v2/NJIJELLQS5IMJNEB2CLJCWHG5Y.jpg?auth=cef6baa9331136b33d6d6b0a4ae68ccded9e5f8c32792c192d5f0b1ea1c76232&amp;smart=true&amp;width=1200&amp;height=900</image:loc><image:caption><![CDATA[iSimangaliso Wetland Park has started a process to bring in private sector players to redevelop, manage and operate the Cape Vidal resort for a period of 50 years. Picture: ]]></image:caption></image:image></url><url><loc>https://www.businessday.co.za/business-times/2026-10-31-flysafair-soars-as-saa-faces-new-r1bn-bailout/</loc><lastmod>2026-10-31T13:32:35.644Z</lastmod><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessday.co.za/resizer/v2/YM6HMS5UIBC3ZBR37XHZZJ3QY4.jpg?auth=5aad0bd0349f82b5202677612ceec5e324ec6127e55fae7766ea8f220bf3da6c&amp;smart=true&amp;width=1200&amp;height=900</image:loc><image:caption><![CDATA[The Competition Tribunal this week gave the Harith-FlySafair deal the green light. Picture: Freddy Mavunda/Business Day]]></image:caption></image:image></url><url><loc>https://www.businessday.co.za/business-times/2026-10-31-dis-chem-targets-on-demand-delivery-growth-with-new-app/</loc><lastmod>2026-10-31T13:29:41.265Z</lastmod><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessday.co.za/resizer/v2/BZRNZMKSY5GFLLYV5UQH7WL5XA.png?auth=5303acb03f54f9bf941c393ecc2b395d375378d6a81184cb3ddef66ceda050fd&amp;smart=true&amp;width=1200&amp;height=900</image:loc><image:caption><![CDATA[Dis-Chem CEO Rui Morais. Picture: Supplied]]></image:caption></image:image></url><url><loc>https://www.businessday.co.za/business-times/2026-10-31-sab-sees-sharp-contrast-in-consumer-spending/</loc><lastmod>2026-10-31T13:28:39.852Z</lastmod><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessday.co.za/resizer/v2/7JRERNPBGVLN7H5L7QCENJWPHY.png?auth=c5d8054b806a879f5dfb4db9763f6c5d7abc71887e017d47feeff2709ac764c0&amp;smart=true&amp;width=1200&amp;height=900</image:loc><image:caption><![CDATA[SAB CEO Richard Rivett-Carnac. Picture: Supplied]]></image:caption></image:image></url><url><loc>https://www.businessday.co.za/news/2026-10-30-watch-live-leaders-debate-reform-ahead-of-november-4-elections/</loc><lastmod>2026-10-31T13:07:22.611Z</lastmod><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessday.co.za/resizer/v2/KF2ZSPTGPBC7JOUKRLG2L3BEHE.jpg?auth=128eb17682d1662bdbba7af239217182d00cace26a8d8b5f1a4a56474602825e&amp;smart=true&amp;width=1200&amp;height=900</image:loc><image:caption><![CDATA[Kgalema Motlanthe. SA's most influential political and business leaders are discussing the country’s political and economic reform beyond the ballot. Picture: Freddy Mavunda/ Business Day]]></image:caption></image:image></url><url><loc>https://www.businessday.co.za/news/2026-10-31-ramokgopa-urges-investment-in-africas-electricity-for-growth/</loc><lastmod>2026-10-31T11:32:50.018Z</lastmod><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessday.co.za/resizer/v2/ZW4IDDJE4BLTBAOQY3NER27Z7M.png?auth=3db4ee154f30a230f66eb02a247c27acd4e222f74c88befc50a180ecac1abdbe&amp;smart=true&amp;width=1200&amp;height=900</image:loc><image:caption><![CDATA[Electricity and energy minister Kgosientsho Ramokgopa. File picture: GCIS]]></image:caption></image:image></url><url><loc>https://www.businessday.co.za/world/europe/2026-10-31-france-braces-for-fresh-unrest-government-vows-tough-response/</loc><lastmod>2026-10-31T09:55:27.062Z</lastmod><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessday.co.za/resizer/v2/ZTJOVHCUS5BWVMX64WO3HKMSFA.JPG?auth=fd4b0a429ff113894d2f34a8017881bedc938791e98805d0adf5fb84a00cbaf9&amp;smart=true&amp;width=1200&amp;height=900</image:loc><image:caption><![CDATA[Shared-mobility operator Dott said about 300 of its electric bikes were destroyed and 120 severely damaged in Paris during the protests. Picture: Reuters/Abdul Saboor]]></image:caption></image:image></url><url><loc>https://www.businessday.co.za/world/2026-10-31-trump-administration-accelerates-criminal-probe-into-alaska-senate-race/</loc><lastmod>2026-10-31T07:03:13.013Z</lastmod><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessday.co.za/resizer/v2/SAPSHTUXLNCQFOAWBYFL2IZWOY.JPG?auth=a921a0dd7466d0a5fc50b04a83adc86e1817306d6b1271517316f88199fd94e3&amp;smart=true&amp;width=1200&amp;height=900</image:loc><image:caption><![CDATA[US President Donald Trump dances as he leaves the stage after delivering remarks to supporters at a midterm election campaign rally for incumbent US Senator Cindy Hyde-Smith (R-MS) at an arena in Corinth, Mississippi, US. Picture: Reuters/Jonathan Ernst]]></image:caption></image:image></url><url><loc>https://www.businessday.co.za/news/2026-10-31-an-important-update-is-coming/</loc><lastmod>2026-10-31T04:00:01.758Z</lastmod><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessday.co.za/resizer/v2/6FY5ZSH26BANJEO5KACOWKKLPE.png?auth=6ad69eaeaae3b5158b1c0b46a7073444398230c9a1d4bfac329fb06810cb630f&amp;smart=true&amp;width=1200&amp;height=900</image:loc><image:caption><![CDATA[The latest Business Day app is available on the Google and Apple app stores.]]></image:caption></image:image></url><url><loc>https://www.businessday.co.za/business-times/2026-10-31-polands-rail-revival-has-lessons-for-sa/</loc><lastmod>2026-10-31T03:00:00.647Z</lastmod><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.businessday.co.za/resizer/v2/DVCFWUZFB5DJNBTGFU5HKWJXAI.jpg?auth=ed04df1108a040d5a8cb2dad048e73a5268ecf9375b72395cf36a32b4ce2099d&amp;smart=true&amp;width=1200&amp;height=900</image:loc><image:caption><![CDATA[PESA Bydgoszcz, Poland's biggest maker of rolling stock, produces a mixture of electric and diesel vehicles including trams and high-speed trains. Picture: Dineo Faku]]></image:caption></image:image></url></urlset>