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With this background, it was already clear that there was an urgent need to undertake a restructuring of the sector and to support this process in a way that allowed the solvency

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Figure

Fig. 1. Standard evolution 2009-2013. Source: own elaboration.
Table 4 shows in detail the evolution of the sample by years. We observed how from  a total of 51 institutions in 2008 there are just 15 in 2012, because of the restructuring  processes, which implied mergers, acquisitions and SIP.
Table 7 provides the mean value of the main variables analyzed. It is calculated ac- ac-cording to the RESTR variable
Table 11 shows the results of regression models 1 and 2. The results obtained are en- en-tirely consistent with what was indicated in the descriptive analysis

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