David L. Boyles

Australia & New Zealand Banking Group Ltd. (Research Firm) (ANZ-Research) is the investment research division of Australia & New Zealand Banking Group Ltd., a multinational banking and financial services company headquartered in Melbourne, Australia. The firm was founded in 1835 and do-business-as ANZ Banking Group Ltd. ANZ-Research provides detailed analysis and forecasts on current and emerging economic trends, as well as financial and commodity markets. The firm’s regional economics teams provide macroeconomic analysis on Australia, New Zealand, Emerging Asia, Greater China and the G3 economies. While their strategists cover foreign exchange, rates and commodity markets.

Downey Financial Corp. operates as the holding company of Downey Savings and Loan Association F.A., which provides a range of financial services to individual and corporate customer. It attracts funds from the general public and institutions; and originates and invests in loans, primarily residential real estate mortgage loans, investment securities, and mortgage-backed securities. The bank’s deposit services include certificates of deposit, checking, money market and regular passbook, passbook accounts.