“Banks operate like a man who either wears his trousers round his chest, stifling breathing, as now, or round his ankles, exposing his assets. We want their trousers tied round their middle: steady lending growth; particularly to productive British business, especially small scale enterprise.”

“I think I'm in the same mood as ever, but in some ways more mature. I guess you could say that, at 65, when you've seen the world shape up as I have, there are only two things you can do: laugh or kill yourself.”