WHEN Datuk Wan Razly Abdullah Wan Ali joined Affin Bank Bhd as its president and group CEO in April 2020, one of the biggest hurdles he faced was getting people to believe in his three-year plan to transform the country’s second-smallest of eight local banking groups into a stronger entity. Staff were weary from past attempts at change, and analysts — the few that continued to keep the stock under their coverage — were sceptical about the lofty targets set under the so-called AIM22 plan.