The Gwynedd-born businessman believes responsible capitalism has helped his company in a turbulent year.

He's also chairs an investment management firm, a windpower company, Bangor University council and is a governer of the LSE.

He even finds the time to support Spurs - where he sits as a non-executive director.

He tells Nick Servini how the banking sector has to change in light of the crisis and what he thinks Wales can do to ensure its economic prosperity