第四代银行家波坦对桑坦德控制严谨，并且热衷寻求交易；2004年，该行买下了英国房贷公司阿比国民银行。

Mr Botín, a fourth-generation banker, has a tight grip over his company and has keenly pursued deals, such as the purchase of Britain’s Abbey National, a mortgage lender, in 2004.

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另一方面，把分行与咖啡店连锁店结合起来经营对英国的阿比国民银行(即现在的阿比银行)来说却是收效甚微。

Combining branches with a chain of coffee shops, on the other hand, did little for Britain's Abbey National (now plain Abbey).

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