1981, Bachelor's (Hons) in Commerce, University of Pretoria; 1996, Advanced Program in Management, Harvard Business School. 1982, Chartered Accountant; articles with Peat Marwick Mitchel & Company. 1985, with Standard Corporate and Merchant Bank including: corporate and investment banking; 1998, Deputy Chief Executive then 2001, Chief Executive, South Africa. 2006-08, Chief Executive, Global Corporate and Investment Banking, Standard Bank Group; 2009-13, Deputy Group Chief Executive. Since March 2013, Joint Chief Executive, Standard Bank Group.