He was in strident form on stage at the World Capital Market Symposium in Kuala Lumpur in February, during a panel discussion in which he managed to be more pithy, acute, articulate and downright Scottish than fellow panellist Sir David Tweedie, which is going some.
Now free to say exactly what he thinks after ending his seven years as HSBC chairman in 2017, he took on a range of topics, but was sharpest on the rise of fintechs as competitors to banks.
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