Ana Patricia Botin

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

“I consider myself to be quite persuasive when I want.”

“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.”

“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?”

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

“We need the banks to be attractive to investors again.”

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

“I would love it if you became a Santander customer.”

“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.”

“Discretion is the most important thing for a banker. That is the philosophy of the family... I mean, of the 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 new stores. It is a trade-off.”

“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.”

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

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

“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.”

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

“We can support innovators and entrepreneurs.”

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

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

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