Ana Patricia Botin

Being different is critical.

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

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

I have a very, very difficult job.

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 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?

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

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.

Everybody has their own style.

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

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.