companies that are deemed half as risky as they were previe cr. a modest rise in rates. the inherent earnings in revenue potential is significant. until two or three angles, really. the optimistic outlook that we see here for banks. >> how do you think the slippage of oil prices will affect the banks? >> i think that we could see maybe barclays maybe that one had an active energy underw underwriting business. it's clear they realize debt holders aren't going to go away anytime soon. they're superior to the pp hofp holders. as i said, immediate number term. the cap-ed cuts should be a high number. that is probably opportunity. >> top pick in the banking sector? >> i think it would have to be rbs. we continue to think it will look a lot like lloyds in two years' time. i think investors need to be patient. i think in two years' time, we won't believe how perceptions have changed on the banking sector. they may not be the most horrendous thing in the world. >> henry sticks with us. >>> interesting comments coming from the greek prime minister. he said that the greek governme