Finance
Bank Santander’s Botin Focuses On Real Payouts To Keep Investors Happy
In the past decade, digital banking has become a hot topic with customers and investors alike. Large banks such as Bank Santander have been at the forefront of this change, aiming to make banking more efficient and secure. One of the bank’s most successful strategies is their “Botin” program, which focuses on real payouts to keep investors happy. In this article, we will discuss how this program works and why it’s so effective in keeping customers engaged with Bank Santander. We’ll also explore some of the other strategies they use to keep customers satisfied.
Who is Botin?
When Ana Botin took over as executive chairman of Bank Santander in 2014, she had big shoes to fill. Her father, Emilio Botin, had been at the helm of the Spanish banking giant for more than three decades, and was widely respected in the industry.
Under Ana’s leadership, Santander has continued to be a strong performer in the European banking sector. The bank reported strong results for 2018, with net profit up 9% from the previous year. return on equity (ROE) of 13%.
Ana is focused on maintaining Santander’s profitability and shareholder returns. She has said that she wants the bank to be “the best payer in the sector.” And she has delivered on that promise, with Santander consistently paying out high dividends to shareholders.
The dividend payout ratio (DPR) for 2018 was 50%, meaning that for every euro of net profit, Santander paid out 50 cents in dividends. This is well above the average DPR for European banks, which was 36% last year.
Santander’s strong dividend payments have helped to keep investors happy, even as other European banks have struggled with profitability and shareholder returns. Thanks to Ana’s focus on real payouts, Santander remains a attractive investment destination for many investors.
What is Santander’s focus?
Bank Santander’s Botin Focuses On Real Payouts To Keep Investors Happy
Santander is one of the leading banks in Spain and Latin America. The bank is headquartered in Madrid and was founded in 1857. The bank has over 186,000 employees and operates in 40 countries.
In recent years, the bank has been focused on returning value to shareholders through share repurchases and dividends. The bank’s chairman, Ana Botín, believes that this focus on payouts is what will keep investors happy in the long-term.
Botín has said that Santander is committed to paying out at least 50% of its earnings to shareholders through dividends and share buybacks. This payout ratio is higher than that of most other European banks.
The focus on shareholder payouts has helped Santander outperform its peers in terms of share price performance. Since Botín took over as chairman in 2014, the shares have risen by more than 150%.
So far this year, the shares are up by around 25%. This outperformance has been driven by strong results from the bank’s core businesses in Spain and Latin America.
How has this focus helped Santander?
Santander’s focus on real payouts has kept investors happy for several reasons. First, it has helped the bank avoid some of the pitfalls that have plagued other banks in recent years. For example, Santander was not involved in the subprime mortgage crisis and did not suffer heavy losses as a result. This disciplined approach to risk management has instilled confidence in Santander’s ability to weather future storms.
Second, Santander’s focus on real payouts has helped it generate strong profits in good times and bad. Even during the global financial crisis, when many banks were struggling to stay afloat, Santander posted profits of over €10 billion. This consistent performance has made Santander one of the most trusted names in banking and allowed it to attract and retain high-quality investors.
Third, Santander’s focus on real payouts has allowed it to build a strong track record of dividend growth. The bank has increased its dividend every year for the past decade, even during periods of economic uncertainty. This commitment to shareholder returns has made Santander one of the most attractive investments in the banking sector.
Fourth, Santander’s focus on real payouts has helped it maintain a strong credit rating. The bank’s sound financial management and conservative lending practices have earned it high marks from rating agencies like Moody’s and Standard & Poor’s. This solid credit standing gives Santander access to low-cost funding and enhances its ability to weather economic downturns.
In short
What are some of the challenges Santander faces?
Botin has been in charge of Santander since 2014, when the bank was struggling with a number of issues including high levels of bad loans, an underperforming share price and a major reorganization.
The challenges Santander faces today are largely due to these past problems. The bank is still working to reduce its non-performing loans, which totaled €56.3 billion at the end of 2017. It has also had to set aside billions of euros in provisions for potential loan losses.
Santander’s share price has recovered somewhat from its lows in 2016, but it is still well below its pre-crisis peak. And investors are still waiting for the bank to start paying out dividends again after suspending them during the crisis.
So far, Botin has managed to keep investors happy by increasing profitability and reducing costs. But with interest rates rising and economic growth slowing, she will need to continue delivering strong results to maintain investor confidence.
Conclusion
Bank Santander’s Botin is a great example of how real payouts to investors can be managed successfully. Despite the challenging economic environment, Botin has been able to keep investors happy by continuously delivering reliable returns. By focusing on keeping costs low and providing transparency in its operations, Bank Santander’s Botin has proven to be a safe haven for those who are looking for reliable investment opportunities.
Finance
Kraken Support: How to Speak to a Live Representative
Introduction
When you’re dealing with an urgent issue—like being locked out of your crypto account or needing help with a transaction—waiting on hold or navigating ticket systems can be frustrating. Many users look for a way to speak to a real person immediately. While Kraken mainly focuses on chat and email support, there are steps you can take to reach a live representative—ideally via phone at 1‑877‑882‑4138.
In this complete guide, we’ll help you understand the reality of Kraken support, how to increase your chances of speaking to a human agent, and offer smart alternatives when phone support slows down.
Kraken’s Official Support Channels: What to Expect
Official sources confirm: Kraken does not publicly provide a direct, general-purpose phone number for all support needs. Most support is offered by:
- Live Chat usually the fastest route to talking with someone.
- Email/Ticket System best for complex or detailed issues.
- Social Media Channels especially for general questions or light issues.
Some guides mention a support line, like 1‑877‑882‑4138, and a few others ( 1‑888‑837‑8818, 1‑833‑783‑2507)—but these are not officially confirmed by Kraken. Use them with caution and focus on verified channels like chat and tickets first.
What Real Users Say about Kraken Phone Support
Reddit comments reveal mixed feedback when trying to reach support via phone:
- “I tried calling the support number… it was a recorded voice message redirecting me back to use email and chat service.”
- “Chat bot suspended my account. I’ve been calling the phone support, but it’s all bots—no help… they all refer me to email.”
- “Phone support is broken with a bug… pressing ‘1’ just repeats the message. No way to continue.”
While some users praise Kraken’s chat and help center, phone support often ends at dead ends or loops.
How to Try Reaching a Live Agent (via Phone)
Image by: Yandex.com
If you want to attempt phone contact using the number 1‑877‑882‑4138, here’s how to improve your chances:
- Call During Off-Peak Hours: Early morning or late evening local time may reduce wait times.
- Listen Carefully and Bypass Menus: When prompted, press “0” or say “agent” or “representative” to try to skip layers.
- Be Persistent: If you’re stuck in a loop, hang up and try again. Some users report that repeating the process can eventually connect them.
- Have Your Info Ready: Be prepared with your Kraken account ID or ticket number, especially if asked.
Best Alternatives: Live Chat and Tickets
Given phone support can be unreliable, here are Kraken’s more consistent support paths:
1. Live Chat
Visit Kraken’s website or app and head to the Help section. Live chat responses often come within 30 seconds, and many users report quick turnaround times.
2. Support Tickets
Submit through the Kraken Help Center for issues needing documentation or detailed review. Be clear and calm when describing your issue.
3. Social Media
Messaging Kraken on platforms like Twitter or Facebook can bring surprisingly quick answers for general questions.
Tips to Get Faster Responses
Even when using chat or tickets, these strategies help:
- Use clear, direct language: Explain your issue simply and include relevant details like IDs or error messages.
- Follow up gently: If you hear nothing back in a few days, reply to your ticket to prompt action.
- Note your ticket number: Always keep it ready; it helps you follow up faster.
- Watch for automated status updates: Kraken may send updates as your ticket progresses.
- Verify agent communications: Kraken will never ask for passwords, 2FA codes, or seeds. Be very careful of impersonation.
Conclusion
While Kraken does not publicly endorse a phone line, attempting to call 1‑877‑882‑4138 may still be worth trying—especially if you’re prepared and persistent. That said, the most reliable support comes through live chat, support tickets, and official social media channels.
If you need help fast, start with chat. For more complex issues, use the Help Center ticket system. Always be polite, share your ticket ID, and stay patient—your issue is best solved when Kraken’s teams can access all the facts.
With the right approach, you can cut through complexity and get the help you need.
Finance
Corteiz: The UK Streetwear That Redefined Global Cool in 2025
In the backstreets of West London, something bold started brewing. A name, a symbol, and a movement. all wrapped in one word: Corteiz. What began as a whisper in the underground fashion world is now a full-volume anthem. It is not just clothing anymore. It is identity. It is rebellion. It is power. We have seen streetwear trends rise and fall, but Corteiz is different. It grips you. It speaks. It does not follow rules. It writes its own.
Know the Meaning Before You Wear the Crown
Ask anyone in London what Corteiz means, and you will hear stories. It is more than threads. It is about standing firm when the world wants you to fold. It is about roots. This brand represents a new class of UK youth. sharp, proud, bold. The Corteiz logo? That globe with Alcatraz behind it? That means something. A symbol of freedom. A symbol of breaking out.
Understand Why UK Fashion Changed Forever
Before Corteiz UK, British fashion was already rich. Think punk. Grime. Mod. From Carnaby Street to Notting Hill, style was always in the blood. But something was missing. Something raw and unfiltered. That is where Crtz stepped in. It took all that past and flipped it into something louder. Cleaner. More unapologetic. Where most brands polished themselves for global eyes, Corteiz Official Website brought the rough edges front and centre. and made it global.
Now, from Brixton to Brooklyn, people rock Corteiz clothing with pride. It has become part of the culture, just like trainers and tracksuits once did in the ‘90s.
Only Shop What Speaks the Truth
Corteiz Hoodie
We have all seen it. That snug fit, bold print, and globe seal on the chest. The corteiz hoodie does not beg for attention. It owns it. From olive green to deep black, it gives off old-school grime energy with a new-world punch.
Corteiz Tracksuit
It is sharp, smart, and fits like it was made just for you. Every corteiz tracksuit drops with limited units. If you miss it, you miss it. That is part of the game. Our latest set sold out in 12 minutes. No joke.
Corteiz Cargos
Function meets flex. The corteiz cargos are built with proper UK weather in mind. strong, weatherproof, and always slick with that tactical touch. Streetwear heads love it because it fits with trainers or boots.
Corteiz Shorts
Even in summer, Corteiz holds the throne. Our corteiz shorts come in earthy tones and straight-leg cuts that make any look feel composed. You do not need to try too hard. They do the work.
Corteiz Joggers
Not just loungewear. Not just gymwear. These corteiz joggers are bold enough for daily fits and soft enough to chill in. From sand beige to burnt charcoal, our colours always hit right.
Go Straight to the Source – The Real Deal
Let us clear something up. If you are not buying from the Corteiz, you are taking a risk. There are knock-offs floating around. But nothing compares to our real drops. We control everything. drops, codes, access. When we say “RTW” (Ready to Wear), only the sharpest are ready. Our drops do not wait around.
Colours That Reflect Real Lives
We do not do flash for the sake of it. Our colour palette? Real tones. Forest green. Washed navy. Brick red. Dusty grey. These speak to our lives in the city. trains, concrete, rain, sunlight breaking through estate buildings. We want you to wear pieces that look like your world, not some fantasy one. That is the Cortez Clothing code.
Feel It. Live It. Own It. Now 25% Off
This week, you can grab select pieces with 25% off. Limited sizes. Limited colours. First come, first flex. Why? Because we want more of our people wearing what matters. This is not forever. It is for now. Do not sleep on it.
Why We Keep It Limited, Always
We are not like big-box labels pushing a million units. Corteiz UK is different. We drop limited gear because we believe in value. Rarity. Community. When you wear cortiez, you know it is not mass-made. It was dropped with care, worn with purpose. We do not re-release. When it is gone, it is gone. That is the whole point.
Worldwide Shipping That Speaks Local
Yes, we are UK to the core. but we move global. From Lagos to Los Angeles, our gear lands quickly. Our team processes fast and ships straight from our warehouse. Delivery time? 23–25 days UK, 15–20 worldwide. Simple as that. All items come with tracking, so you stay in control.
Real Talk, Real Style, Real Movement
Look, you are not just buying a corteiz hoodie or corteiz cargos. You are stepping into a movement. Something honest. Something loud. Our message is clear. community over clout. You wear Crtz to show where you stand. What you value. Who you ride with. Whether it is a pop-up in Peckham or a block party in Manchester, when we show up, we show reality.
Step In or Miss Out – Your Call
Our next drop hits this Friday. 8PM BST. Codes will be sent 3 hours before. If you are signed up on our list, you are good. If not? You might miss out. We are not trying to create hype. We are showing love to those who have been with us from the start. And if you are new? Now is your time.
Wrap-Up: We Are Corteiz, We Move Different
From one London voice to another. we get it. You want gear that matters. You want meaning stitched into every hem. You want real. Corteiz is not just a name. It is a code. It is rebellion. It is a community. Whether you pull on a corteiz hoodie, slide into corteiz joggers, or flex a full corteiz tracksuit, you are wearing something that has history, fire, and soul.
This is not a phase. It is the future. And the future is written in bold, stitched in grit, and printed with purpose.
Now step in.
FAQs
Q: Where can I buy real Corteiz drops?
A: Always check the Corteiz Official Website. We do not sell through any third parties.
Q: How often do drops happen?
A: New collections are released monthly. Some pieces are announced 48 hours before via our list.
Q: Does Corteiz ship outside the UK?
A: Yes, Corteiz UK ships worldwide with tracked delivery. Shipping fees vary by region.
Finance
How to Talk Directly with Robinhood Support Easily
Introduction
Robinhood is a popular investing app used by millions of people to buy stocks, options, and cryptocurrencies. With so many users relying on the platform every day, sometimes issues arise that need direct help from Robinhood’s customer service. Whether you have questions about your account, transactions, or technical problems, talking directly with a Robinhood support representative can make a big difference.
However, many people wonder, “How do I talk directly on Robinhood?” or “Does Robinhood have a phone number for support?” This guide will walk you through the best ways to reach Robinhood customer service, including phone options, live chat, and other useful tips. You will learn how to get fast, clear answers to your questions so you can focus on your investing goals without stress.
Why Talk Directly to Robinhood Support?
Image by: Yandex.com
When dealing with financial apps like Robinhood, certain issues require personal help from a real person. Automated responses or FAQs may not cover complex account problems such as:
- Account verification delays
- Deposit or withdrawal issues
- Trade execution questions
- Security concerns or locked accounts
- Billing or fee disputes
In these situations, contacting a live Robinhood representative is often the quickest way to get your problem solved.
Does Robinhood Offer Phone Support?
Many users want to speak to Robinhood over the phone. Robinhood does have a phone support option, but it is important to note that phone support is not always easy to find, and they prioritize certain issues.
Here is what you need to know about Robinhood phone support:
- Robinhood Customer Support Number: The main phone number is (650) 940-2700. This is Robinhood’s general customer service line.
- Limited Hours: Phone support hours may be limited and focused on urgent account issues.
- Call Back Option: In some cases, Robinhood may offer a callback service instead of immediate phone support.
- Wait Times: Depending on call volume, wait times may vary.
For non-urgent questions or general information, Robinhood encourages users to use their in-app support or online help center first.
How to Get Live Chat or Email Support from Robinhood
Robinhood provides support through its app and website using messaging tools. Here’s how you can use these options:
1. In-App Support Chat
- Open your Robinhood app.
- Tap the account icon (person icon) in the bottom right corner.
- Select Help or Support.
- Choose Chat with us or Message Support.
- Type your question or describe your problem and wait for a customer service agent to respond.
In-app chat is usually the fastest way to get help, especially for account or trading issues.
2. Email Support
If your problem is not urgent, you can email Robinhood support. While they do not widely publish their direct email address, you can contact them through the app or website support form, and your message will be routed via email.
Tips for Talking to Robinhood Support Directly
To make your experience smoother when talking directly with Robinhood, keep these tips in mind:
- Have your account information ready: This includes your username, email linked to Robinhood, and any transaction details.
- Be clear and detailed: Explain your issue in simple terms so the agent understands your problem quickly.
- Stay patient: Support agents are there to help but may take some time to research complex issues.
- Use the app first: If possible, start with in-app chat before trying to call. The app keeps track of your conversations and may speed up resolution.
- Avoid sharing passwords or sensitive info: Robinhood representatives will never ask for your full password or PIN. Always keep your information safe.
Common Issues Where Talking Directly Helps
Image by: Yandex.com
Certain problems are best solved by direct communication with Robinhood support. These include:
- Account Lockouts: If your account is locked for security reasons, a support agent can help verify your identity and unlock your account.
- Failed Deposits or Withdrawals: Money stuck in transit needs manual checking.
- Trade Errors: Mistakes or confusion about order execution.
- Security Alerts: Suspicious activity on your account.
- Tax Documents: Help with downloading or understanding tax forms.
Alternative Ways to Get Help from Robinhood
If you cannot reach someone by phone or chat, here are other ways to get assistance:
- Robinhood Help Center: A large collection of articles and FAQs that cover many common questions.
- Robinhood Community: An online forum where users discuss tips and share solutions.
- Social Media: Reach out to Robinhood on Twitter or Facebook for basic queries, but avoid sharing sensitive info publicly.
Why It Can Be Hard to Talk Directly on Robinhood
Robinhood’s customer base is huge, which means support can sometimes feel slow or difficult to access. To manage this:
- Robinhood encourages users to try the Help Center or chat first.
- Phone support is reserved for urgent or complicated issues.
- The company invests in automation and online tools to assist more people faster.
Even though it may take time, talking directly to a support agent is possible and often necessary for certain problems.
Conclusion
Talking directly on Robinhood is possible through phone support, in-app chat, and email. The easiest and fastest way to get help is often the in-app messaging feature, but Robinhood’s phone number (650-940-2700) is available for more urgent issues.
Remember to prepare your account details, explain your problem clearly, and stay patient. Using the right contact method can save you time and reduce stress when managing your investments.
Whether you have questions about account security, deposits, or trades, Robinhood customer service is there to help. By following this guide, you’ll know exactly how to reach out and get the support you need to keep your investing journey on track.
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