Early Life
He was born in the UK and brought up and educated in Edinburgh, Scotland where he attended George Watson's College. He joined HSBC in July 1974 after graduating in law (LLB) from Edinburgh University.
Read more about this topic: Sandy Flockhart
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“... goodness is of a modest nature, easily discouraged, and when much elbowed in early life by unabashed vices, is apt to retire into extreme privacy, so that it is more easily believed in by those who construct a selfish old gentleman theoretically, than by those who form the narrower judgments based on his personal acquaintance.”
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