For worse, the gravity of the situation doesn’t stop there as to the continuity of economic deterioration problems they give him to the Spanish banking system, credit restrictions exacerbate the panorama generating a vicious circle since the limitation of new loans to companies increases their probability of default. It is for this reason that Jose Luis Rodriguez Zapatero has had to launch a pre-emptive bailout Fund to prevent the banking system from problems, baptized as a background of banking orderly restructuring (FROB), which has an initial 9,000 million euros budget and provides up to 90,000 additional million euros. The FROB aims to leave behind the current banking system Spanish so that a new, more efficient, and healthy comes to light. Luis Maldonado, of PricewaterhouseCoopers, did a very interesting reflection in five days, about the conditions that should meet the FROB to achieve the results desired without unexpected effects, highlighting that its use should occur only in case of need, without that generate distortions in competition and conditioning entities assisted to close monitoring: an indiscriminate public recapitalisation would send a signal incorrect about the solvency of the Spanish financial system, while that would be an inefficient use of resources from the taxpayers. With the FROB will be determined a before and an after in the Spanish banking sector is subject to a period of mergers after which gain in efficiency. In this sense, the former President of the Government Jose Maria Aznar, considered that this recapitalisation plan should reward entities that observe a prudent risk management and punish at those that do not. Logically, the FROB will open a great debate on the Spanish banking system, although debate must extend throughout the Spanish economy since there are the main causes of the current banking problems. Among the main entities of the system banking Spanish is Banco Santander S.A.