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How to lead a bank

“If you don’t fully understand an instrument, don’t buy it.

If you would not buy a specific product for yourself, don’t try to sell it.

If you do not know your customers very well, don’t lend them any money.

If you do these three things, you will be a better banker, my son.”

– Emilio Botin, 73-year-old Chairman of Spanish bank Santander, whose bank has emerged unscathed from the credit crisis, “delivering a tongue-in-cheek lecture on the basic tenets of banking” (FT) at the Euromoney Awards, where Santander was named ‘World’s Best Bank’.


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