Capital Ideas^TM

Etrit Vllasalija is a fixed income investment analyst at Capital Group with research responsibility for IG European banks and aircraft leasing. He has nine years of investment industry experience and has been with Capital Group for six years. Earlier in his career at Capital, Etrit was a research associate. Prior to joining Capital, Etrit worked as an equity research analyst at Société Générale. He holds a master's degree from Jonkoping International Business School and a master's degree in finance from the Lund University School of Economics and Management. Etrit is based in London.

Michael Habib is a fixed income investment analyst at Capital Group with research responsibility for Canadian, U.S. and Australian banks. He has 10 years of investment industry experience and has been with Capital Group for five years. Prior to joining Capital, Michael worked as a private equity associate at Bank of America Merrill Lynch and Audax Group. He holds an MBA from University of Chicago and an honors bachelor's degree from University of Western Ontario. Michael is based in Los Angeles.

Franz Lathuillerie is a fixed income investment analyst at Capital Group with research responsibility for Asian financials in fixed income. He has 21 years of investment industry experience and has been with Capital Group for five years. Prior to joining Capital, Franz was CFO at AXA in Thailand and Indonesia. He holds an MBA from ESSEC Business School. He also holds the Chartered Global Management Accountant® designation and is a fellow of the Institute of Actuaries. Franz is based in Singapore.