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

Ana Patricia Botin

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

Ana Patricia Botin

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

Ana Patricia Botin

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

Ana Patricia Botin

" 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

" Being different is critical. "

Ana Patricia Botin

Being Different

" 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

" I consider myself to be quite persuasive when I want. "

Ana Patricia Botin

" 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

" I think cash will be around for a long time. "

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

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

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

" Everybody has their own style. "

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're a boring retail and commercial bank. "

Ana Patricia Botin

" 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

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

Ana Patricia Botin

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

Ana Patricia Botin

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

Ana Patricia Botin

" 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

" We need the banks to be attractive to investors again. "

Ana Patricia Botin

" I would love it if you became a Santander customer. "

Ana Patricia Botin

" I have a very, very difficult job. "

Ana Patricia Botin