{"id":36235,"date":"2012-02-20T00:00:00","date_gmt":"2012-02-19T23:00:00","guid":{"rendered":"https:\/\/aebanca.es\/actualidad\/te-interesa\/aeb-informa\/overcoming-the-crisis-adjustments-with-reforms\/"},"modified":"2026-04-09T09:52:51","modified_gmt":"2026-04-09T07:52:51","slug":"overcoming-the-crisis-adjustments-with-reforms","status":"publish","type":"blog-aeb","link":"https:\/\/aebanca.es\/en\/actualidad\/te-interesa\/aeb-informa\/overcoming-the-crisis-adjustments-with-reforms\/","title":{"rendered":"Overcoming the Crisis: Adjustments with Reforms"},"content":{"rendered":"<p>The Spanish economy faces a very challenging situation and decisive challenges for its future. The intense expansionary phase recorded between the mid-1990s and the end of the last decade was abruptly interrupted by the successive effects of imbalances\u2014price and cost differentials, loss of competitiveness, excessive private sector debt, substantial current account deficit, dependence on external financing, real estate bubble, etc.\u2014the international financial crisis and, more recently, the sovereign debt crisis in the eurozone. <\/p>\n<h6><a href=\"https:\/\/aebanca.es\/wp-content\/uploads\/2017\/12\/08-201200807.pdf\">Read the article by Miguel Mart\u00edn, President of AEB, published in El nuevo lunes.<\/a><\/h6>\n","protected":false},"excerpt":{"rendered":"<p>The objective of restructuring is not to maintain non-viable entities, but to ensure the competitiveness, solvency, profitability, and efficiency of those that prevail.<\/p>\n","protected":false},"featured_media":0,"parent":0,"template":"","etiquetas":[294,372,310,632,302],"categorias-blog":[783],"class_list":["post-36235","blog-aeb","type-blog-aeb","status-publish","hentry","etiquetas-banca-espanola","etiquetas-bancos","etiquetas-crisis","etiquetas-miguel-martin","etiquetas-solvencia","categorias-blog-presidency"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Blog AEB - Asociaci\u00f3n Espa\u00f1ola de Banca<\/title>\n<meta name=\"description\" content=\"The objective of restructuring is not to maintain non-viable entities, but to ensure the competitiveness, solvency, profitability, and efficiency of those that prevail.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/aebanca.es\/en\/actualidad\/te-interesa\/aeb-informa\/overcoming-the-crisis-adjustments-with-reforms\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Blog AEB - Asociaci\u00f3n Espa\u00f1ola de Banca\" \/>\n<meta property=\"og:description\" content=\"The objective of restructuring is not to maintain non-viable entities, but to ensure the competitiveness, solvency, profitability, and efficiency of those that prevail.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/aebanca.es\/en\/actualidad\/te-interesa\/aeb-informa\/overcoming-the-crisis-adjustments-with-reforms\/\" \/>\n<meta property=\"og:site_name\" content=\"Asociaci\u00f3n Espa\u00f1ola de Banca\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-09T07:52:51+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@aebanca\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/aebanca.es\\\/en\\\/actualidad\\\/te-interesa\\\/aeb-informa\\\/overcoming-the-crisis-adjustments-with-reforms\\\/\",\"url\":\"https:\\\/\\\/aebanca.es\\\/en\\\/actualidad\\\/te-interesa\\\/aeb-informa\\\/overcoming-the-crisis-adjustments-with-reforms\\\/\",\"name\":\"Blog AEB - Asociaci\u00f3n Espa\u00f1ola de Banca\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/aebanca.es\\\/en\\\/#website\"},\"datePublished\":\"2012-02-19T23:00:00+00:00\",\"dateModified\":\"2026-04-09T07:52:51+00:00\",\"description\":\"The objective of restructuring is not to maintain non-viable entities, but to ensure the competitiveness, solvency, profitability, and efficiency of those that prevail.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/aebanca.es\\\/en\\\/actualidad\\\/te-interesa\\\/aeb-informa\\\/overcoming-the-crisis-adjustments-with-reforms\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/aebanca.es\\\/en\\\/actualidad\\\/te-interesa\\\/aeb-informa\\\/overcoming-the-crisis-adjustments-with-reforms\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/aebanca.es\\\/en\\\/actualidad\\\/te-interesa\\\/aeb-informa\\\/overcoming-the-crisis-adjustments-with-reforms\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/aebanca.es\\\/en\\\/home\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"AEB Informs\",\"item\":\"https:\\\/\\\/aebanca.es\\\/en\\\/actualidad\\\/te-interesa\\\/aeb-informa\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Overcoming the Crisis: Adjustments with Reforms\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/aebanca.es\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/aebanca.es\\\/en\\\/\",\"name\":\"AEB\",\"description\":\"Asociaci\u00f3n Espa\u00f1ola de Banca\",\"publisher\":{\"@id\":\"https:\\\/\\\/aebanca.es\\\/en\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/aebanca.es\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/aebanca.es\\\/en\\\/#organization\",\"name\":\"AEB\",\"url\":\"https:\\\/\\\/aebanca.es\\\/en\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/aebanca.es\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/aebanca.es\\\/wp-content\\\/uploads\\\/2025\\\/07\\\/LOGO-AEB-menu.svg\",\"contentUrl\":\"https:\\\/\\\/aebanca.es\\\/wp-content\\\/uploads\\\/2025\\\/07\\\/LOGO-AEB-menu.svg\",\"width\":57,\"height\":22,\"caption\":\"AEB\"},\"image\":{\"@id\":\"https:\\\/\\\/aebanca.es\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/x.com\\\/aebanca\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Blog AEB - Asociaci\u00f3n Espa\u00f1ola de Banca","description":"The objective of restructuring is not to maintain non-viable entities, but to ensure the competitiveness, solvency, profitability, and efficiency of those that prevail.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/aebanca.es\/en\/actualidad\/te-interesa\/aeb-informa\/overcoming-the-crisis-adjustments-with-reforms\/","og_locale":"en_US","og_type":"article","og_title":"Blog AEB - Asociaci\u00f3n Espa\u00f1ola de Banca","og_description":"The objective of restructuring is not to maintain non-viable entities, but to ensure the competitiveness, solvency, profitability, and efficiency of those that prevail.","og_url":"https:\/\/aebanca.es\/en\/actualidad\/te-interesa\/aeb-informa\/overcoming-the-crisis-adjustments-with-reforms\/","og_site_name":"Asociaci\u00f3n Espa\u00f1ola de Banca","article_modified_time":"2026-04-09T07:52:51+00:00","twitter_card":"summary_large_image","twitter_site":"@aebanca","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/aebanca.es\/en\/actualidad\/te-interesa\/aeb-informa\/overcoming-the-crisis-adjustments-with-reforms\/","url":"https:\/\/aebanca.es\/en\/actualidad\/te-interesa\/aeb-informa\/overcoming-the-crisis-adjustments-with-reforms\/","name":"Blog AEB - Asociaci\u00f3n Espa\u00f1ola de Banca","isPartOf":{"@id":"https:\/\/aebanca.es\/en\/#website"},"datePublished":"2012-02-19T23:00:00+00:00","dateModified":"2026-04-09T07:52:51+00:00","description":"The objective of restructuring is not to maintain non-viable entities, but to ensure the competitiveness, solvency, profitability, and efficiency of those that prevail.","breadcrumb":{"@id":"https:\/\/aebanca.es\/en\/actualidad\/te-interesa\/aeb-informa\/overcoming-the-crisis-adjustments-with-reforms\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/aebanca.es\/en\/actualidad\/te-interesa\/aeb-informa\/overcoming-the-crisis-adjustments-with-reforms\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/aebanca.es\/en\/actualidad\/te-interesa\/aeb-informa\/overcoming-the-crisis-adjustments-with-reforms\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/aebanca.es\/en\/home\/"},{"@type":"ListItem","position":2,"name":"AEB Informs","item":"https:\/\/aebanca.es\/en\/actualidad\/te-interesa\/aeb-informa\/"},{"@type":"ListItem","position":3,"name":"Overcoming the Crisis: Adjustments with Reforms"}]},{"@type":"WebSite","@id":"https:\/\/aebanca.es\/en\/#website","url":"https:\/\/aebanca.es\/en\/","name":"AEB","description":"Asociaci\u00f3n Espa\u00f1ola de Banca","publisher":{"@id":"https:\/\/aebanca.es\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/aebanca.es\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/aebanca.es\/en\/#organization","name":"AEB","url":"https:\/\/aebanca.es\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/aebanca.es\/en\/#\/schema\/logo\/image\/","url":"https:\/\/aebanca.es\/wp-content\/uploads\/2025\/07\/LOGO-AEB-menu.svg","contentUrl":"https:\/\/aebanca.es\/wp-content\/uploads\/2025\/07\/LOGO-AEB-menu.svg","width":57,"height":22,"caption":"AEB"},"image":{"@id":"https:\/\/aebanca.es\/en\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/x.com\/aebanca"]}]}},"_links":{"self":[{"href":"https:\/\/aebanca.es\/en\/wp-json\/wp\/v2\/blog-aeb\/36235","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/aebanca.es\/en\/wp-json\/wp\/v2\/blog-aeb"}],"about":[{"href":"https:\/\/aebanca.es\/en\/wp-json\/wp\/v2\/types\/blog-aeb"}],"wp:attachment":[{"href":"https:\/\/aebanca.es\/en\/wp-json\/wp\/v2\/media?parent=36235"}],"wp:term":[{"taxonomy":"etiquetas","embeddable":true,"href":"https:\/\/aebanca.es\/en\/wp-json\/wp\/v2\/etiquetas?post=36235"},{"taxonomy":"categorias-blog","embeddable":true,"href":"https:\/\/aebanca.es\/en\/wp-json\/wp\/v2\/categorias-blog?post=36235"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}