My analysis and research work seeks to clarify whether merger is the only inevitable alternative to ensure the viability of large Andorran banks. The financial sector of the Principality is in a situation full of uncertainties and indecisions and I want to know first-hand the different positions and points of view of the five banks in the country. Also, what is the position and opinion of the ABA (Associació Bancs Andorra) and the country's ministry of economy. Finally, I will investigate among the main economic authorities in Andorra what are the different opinions regarding the country's new accession to the IMF or whether the landing of a foreign financial institution would be welcomed.