ANZ aims to expand its retail and wealth businesses in the Asia Pacific region by catering to the rising number of affluent and emerging affluent customers. ANZ's strategy focuses on four pillars: customer centricity, connectivity across Asia Pacific and Australia/New Zealand, emerging affluent customer needs, and delivering the best channels. ANZ differentiates itself through its AA credit rating with major ratings agencies, which few other banks have, and its connectivity across Asia and the Pacific to support increasingly mobile affluent customers. Sen believes in establishing discipline through fact-finding and data analysis before making financial decisions and reviews all relevant information to make sound decisions. He views Indonesia as an important growth market where ANZ can