when they ask you, you say santander is my bank.rancine: so no asset sales and no further capital raising? ana: we have huge potential just to grow with our existing customers so we do not need to do. we do not need to buy. we have and we will continue to look at opportunities in our core markets, but that is not something we need to do. francine: how do you make a customer loyal? is it service, is it marketing, is it something else? ana: i think today, you need to do everything right, so customers have high expectations. you need to deliver excellent service, you need to deliver great products, and you need to deliver them in a very cost-efficient way, i.e., the price has to be right. and the best example is our 1, 2, 3 strategy which we started in the u.k. and are now rolling out in spain, and it is a strategy. it is about loyal customers, it is about lasting relationships with our customers. francine: the 1, 2, 3 account is something that is actually quite expensive because you give back to customers. you do make them loyal, but

santander always does well in the u.k.e competitive with other centers and at the moment i do not think it is. francine: are european banks in general at a disadvantage because we are that far behind in getting our act together? ana: no, all the changes the u.k. has done most of them. continental europe, the rest of europe is sort of in the process. this has a cost, and so qe needs banks that can transmit qe to the economy so we can make loans and give you a mortgage and fund a startup. because regulation has still not been implemented in many aspects. i think i was told in brussels a few days ago there is still 300 pending pieces of legislation in banks. i heard the number 400. let's say it is between 300 and 400. this means banks will be holding back a bit, even though we are increasing lending. for example, we are increasing lending in spain right now, but i think there is a drag effect because of this uncertainty and because this regulation is still in the process of being implemented. francine: you mentioned the u.s.

and this will have an impact on, of course santander. , ana: currencies have been positive for santanders year. there will probably be a negative effect on our p&l next year, right, because of the latin american currencies. so our businesses, we expect to do very well, but we will be dragged down by the currency when we convert our earnings into euros. we hedge our capital 100%, so that is not an issue. it is very difficult to know what the fair value of the euro is. i do not know if it is 1.15 or 1.12, 1.18. usually currencies tend to overshoot, so, you know, we have the euro at 1.35, 1.40. clearly that was not -- the purchasing power parity was not there. it is probably more at 1.15. it is roughly where we are today. if it overshoots, it is very hard to know. at the end, currencies move according to productivity improvements, so it is a relative productivity improvement in america. again, our business in europe we expect to do better over the next few years, because our customers are doing better. you know, i was just with a customer who buys a lot of things from china, and consumption

en mÁs informaciÓn estÉ maÑana fue encontrado el cadÁver de un hombre santander una playa de alameda,creen que el hombre muriÓ en el lugar por el momento se desconoce su identidad y las causas que provocaron el descenso. en san leandro joven de 15 aÑos fue detenido luego de una bÚsqueda de tres horas en helicÓptero que obligÓ al cierre de la secundaria bankcroft el menor sospechoso de cometer un robo en una casa ubicada en la cuadra 400 de la avenida joaquÍn. al ser descubiertos se refugiÓ en un parque finalmente fue capturado en una vivienda en la avenida lee. el joven escapÓ la semana pasada de una casa hogar en sacramento. en un artÍculo que publica el diario san josÉ, informa que el alcalde y miembro del consejo municipal de la ciudad en san josÉ han ocultado reuniones con cabildeos que promueven o defienden intereses de grupos de presiÓn. acuerdo con informes presentados por estos grupos, el consejo de la ciudad no reportÓ 105 reuniones aun cuando estÁn obligados por ley a hacerlo. ♪ ♪ quÉ le vamos hacer ha llovido muy poco en el Área de la bahÍa para saber por cuantos dÍas mÁs s

santander is one of the oldest and biggest banks in the world. with a footprint in spain, the

santander is one of the oldest and biggest banks in the world.int in spain, the u.k., and the united states, it is a truly global bank with more than 100 million customers. now recently, the spanish lender had undergone several big changes, most recently when emilio botin, the executive chairman, passed away in 2014. his daughter, ana botin, took over from her father and quickly implemented a share sale of 7.5 billion euros. well, in her first television interview since becoming

thirties, wearing an at that point jacket, and baseball cap >> they want this man, he walked into the santander bank on cash. >> tracking the heaviest rain right now through the north shore, and into southern new hampshire, and the strongest winds, we'll talk about hour by hour >> keeping kids safe. new >> a wallet g it's the holidays. and of course, everyone wants to get online at once. to watch things. buy things. but slow internet makes it hard. that's why it's time to get fios. it has the fastest internet and wifi available. with speeds from 50 to 500 megs. and right now, you'll get 50 meg fios internet, tv and phone for 79.99 a month online for your first year. and with a 2 year agreement, we'll give you all the premium movie channels for a year. plus, 400 dollars back. so go online or call now. jeb bush: we do not have to be the world's policeman. we have to be the world's leader. who's going to take care of the christians that are being eliminated in the middle east? who's going to take care of israel and support them - our greatest ally in the middle east? the united states has the capa

buscado por las autoridades en conexiÓn con un robo a eso de las 3:30 de la tarde en la sede del banco santanderdel sospechoso presentÓ una nota en una de las ventanillas a uno de los empleados, huyÓ con 13.000 $. se revisan cÁmaras de seguridad en busca de su identidad. la policÍa dice que una pelea entre dos hombres terminÓ en un apuÑalamiento en el oeste de filadelfia. ocurriÓ a las 3:30 de la madrugada en el cruce de las calles con 26 y mÁrquez. uno de los hombres corto a otro durante la pelea. la policÍa busca al sospechoso que se dio a la fuga. otros dos sospechosos estÁn siendo buscados en conexiÓn con el apuÑalamiento de un hombre que estÁ en condiciÓn crÍtica. ocurriÓ en una esquina de thomson al norte de filadelfia, las investigaciones dicen que dentro de un bar se originÓ una difusiÓn y que las personas involucradas salieron a pelear afuera. uno de ellos fue herido en el pecho siendo llevado al hospital, encontrÁndose fuera de peligro. para combatir la deserciÓn escolar que afecta a los estudiantes latinos el alcalde de filadelfia hablÓ sobre los planes para mejorar la educaciÓn y man

santander is one of the oldest and biggest banks in the world.int in spain, the u.k., and the united states, it is a truly global bank with more than 100 million customers. recently, the spanish lender had undergone several big changes, most recently when emilio botin, the executive chairman, passed away in 2014. his daughter, ana botin, took over from her father and quickly

investigators say he walk into the santander bank on torresdale avenue in tacony just before 4:00 thisfternoon. he handed the teller a note. got some cash and then left. if you know anything, call police. there's a reward for information that could lead to an arrest. ♪ >>> two armed men march into the store, put a gun to the clerk's face. wind up shooting him in the leg. it doesn't end there. where they dragged him as he was arriving in pain. >>> a local man fights for years for the chance to raise his own son. >> particularly with black men that we're not responsible, that we don't stand up. that we don't do the impossible. >> reporter: now that his son is grown up the battle is far from over. his mission to change your perception of black dads. >> also a brawl breaks out on a schoolbus. it ends with two teenaged sisters fighting with police officers. who those sisters were trying to protect and why their parents say they had no choice. >>> the bombshell one-on-one interview. a local boxer comes out. you may have heard the rumors. the shocking part of the story you've never heard. you