Education & Honours:- 2022 D.Uni, Honorary Doctorate (h.c.) Loughborough University- 2009-12 ‘MBA Teacher of the Year’ four times, Warwick University Business School- 2004 FRSA, Fellow, Royal Society for Arts, Manufactures & Commerce- 1984 MBA, Henley Management College- 1974 FCIB, Chartered Banker, distinction & prize. Fellow 2002 Expertise & Experience:(1) Business and Finance includes: - Chair, Unity Trust Bank plc: Negotiated separation from Co-Op Bank; Recapitalised. Four-fold growth in shareholder value. King’s Award for Enterprise (Sustainable Development) 2024. - Chair Mitsubishi HC Capital UK plc; - Chair, Equals Group plc (EQLS:L) - several other Chair and NED roles.- HSBC 35 years: Member UK executive booard. Devised and led introduction of HSBC name in UK & EU. Ran subsidiaries in trade and asset finance, led them globally. Rose from clerk in Blackpool.- CEO, First Direct Bank. Introduced digital banking services & off–set products. Grew the Bank four–fold. Grew its market leadership in customer satisfaction. Overall winner, National Business Awards.(2) Government and Public Service includes:- Chair of Independent Assurance Panel of Government ID card scheme, - independent member and advisor to HM Cabinet Delivery Council; - Deputy Chair, Honorary Treasurer and Pro-Chancellor, Loughborough University. (3) Speaking, Teaching and Communicating includes:- Taught banking and MBA students. - Advocates approaching things afresh, with objectivity, without dogma, wary of prejudice. - Promotes integrity, shared purpose, collaboration, and innovation, for growth & productivity with accountability.