Given the input sentence, please extract the subject and object containing a certain relation in the sentence according to the following relation types, in the format of "relation1: word1, word2; relation2: word3, word4". Relations include: product/material produced; manufacturer; distributed by; industry; position held; original broadcaster; owned by; founded by; distribution format; headquarters location; stock exchange; currency; parent organization; chief executive officer; director/manager; owner of; operator; member of; employer; chairperson; platform; subsidiary; legal form; publisher; developer; brand; business division; location of formation; creator.

Investment bank Goldman Sachs have maintained their ratings on all of Australia's major banks but have warned of stiff demographic headwinds for the sector as regulatory changes kick in and baby boomers pay down debt.

Answer: product_or_material_produced: Goldman Sachs, Investment bank