Ana Patricia Botin Quotes

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

Everybody has their own style.

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

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

I think cash will be around for a long time.

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?

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

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.

I have a very, very difficult job.

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.

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

I would love it if you became a Santander customer.

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....

We're a boring retail and commercial bank.

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...

I consider myself to be quite persuasive when I want.

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.

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.

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

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.

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