We are going to make people who do some things with Santander into loyal customers who bank with us every day. This is what will allow us to compete in a world where banking customers have more and more choice. If we don't do this, then we won't grow in the next decade.

Ana Patricia Botin

I am confident that our experience, our scale, our intimate knowledge of the needs of our customers put us on the front line of economic and social progress.

Ana Patricia Botin

Knowledge Experience Us

We can help companies committed to addressing global challenges such as climate change.

Ana Patricia Botin

Change Ted T

When times are tough, we tend to outperform as margins increase.

Ana Patricia Botin

Time Tough Times

Being different is critical.

Ana Patricia Botin

T Rent Different

Other things equal, we should give a chance to women. That's what I try to do.

Ana Patricia Botin

Women Men Chance

I don't think of us as defending ourselves. I think of us as a challenger, an attacker.

Ana Patricia Botin

Us Think Thin

I didn't join a bank because my father worked in a bank or because I thought I was going to be a banker or because I thought I was going to be where I am today.

Ana Patricia Botin

Work Worked Where

You are not going to get married through technology. You are not going to buy a house through technology.

Ana Patricia Botin

Technology You Use

Discretion is the most important thing for a banker. That is the philosophy of the family... I mean, of the bank.

Ana Patricia Botin

Family Thing Thin

It has to be convenient. You have to be able to bank with me anytime.

Ana Patricia Botin

Time You Wit

We need to change how we run banks. We need to change the culture. If we get it right, we can have a huge impact.

Ana Patricia Botin

Change UN T

We are going to make people who do some things with Santander into loyal customers who bank with us every day. This is what will allow us to compete in a world where banking customers have more and more choice. If we don't do this, then we won't grow in the next decade.

Ana Patricia Botin

Pet Ya World

I want the best people, not just on the banking side but on innovation and technology.

Ana Patricia Botin

Technology Want Us

We didn't invent gunpowder. What we did was take things that were there and put them together in a way that works.

Ana Patricia Botin

Work Works Were

If the government is funding itself at 2 per cent, you know, how much are you going to pay savers if you want to lend money at a cheaper rate? People have the incentive to build a factory or open new stores. It is a trade-off.

Ana Patricia Botin

Money Men Government

Everybody has their own style.

Ana Patricia Botin

Very T Style

It's true that I'm always happy to walk away.

Ana Patricia Botin

Ways Way Walk

I think cash will be around for a long time.

Ana Patricia Botin

Time Will UN

I think of digital as a means to an end: How do I service and get more loyal customers, how do I achieve operational excellence, and how do I change my culture?

Ana Patricia Botin

Change Ya Vice

I have a very, very difficult job.

Ana Patricia Botin

Very T Job

I wanted to be a journalist. The other thing I wanted to be was a spy.

Ana Patricia Botin

I would love it if you became a Santander customer.

Ana Patricia Botin

We're a boring retail and commercial bank.

Ana Patricia Botin

I consider myself to be quite persuasive when I want.

Ana Patricia Botin

Bright graduates will either set up their own companies or come and work for us or a consulting firm or government. But going to work for a small company if you are really good? No way.

Ana Patricia Botin

We are a challenger bank; let me say that once, twice, and three times if necessary because people still sometimes think of us as being very big.

Ana Patricia Botin

The thing that really sticks - and when you talk to entrepreneurs, they say the same - is just thinking about the next day, the next week.

Ana Patricia Botin

We are the most British of Britain's banks. This always gets a chuckle; I don't why.

Ana Patricia Botin

We need the banks to be attractive to investors again.

Ana Patricia Botin

It is going to sound cliched, but my husband has been incredibly helpful.

Ana Patricia Botin

For me, my husband gives me advice all the time - he's been very supportive.

Ana Patricia Botin

I'm confident in our team and our capacity to continue to deliver.

Ana Patricia Botin

Santander gives you a unique opportunity to invest in the U.K. economy.

Ana Patricia Botin

I'm very happy in the U.K.; I love it here. Even the weather - I'm from a place where it rains almost as much.

Ana Patricia Botin

I wanted to be a journalist. I used to write articles at university about politics.

Ana Patricia Botin

We need to stop frowning upon failure whilst criticising those that succeed.

Ana Patricia Botin

Profit, wealth creation, competition - these are not dirty words but the lifeblood of a dynamic economy.

Ana Patricia Botin

I get the sense that the British do not like to look at things on the bright side of life. Maybe it has something to do with the weather.

Ana Patricia Botin

I started at the bottom. Nobody has given me anything.

Ana Patricia Botin

We need critical mass. We need people, not just one or two. We need a lot of them.

Ana Patricia Botin

We can support innovators and entrepreneurs.

Ana Patricia Botin

We can help families buy their homes and invest in their educations.

Ana Patricia Botin