mr. kumareing it has bottomed out, so from hereafter, things should be much better. haslinda: how about the rest of the banking industry? mr. kumar: the banking industry also, i look at the bank, the public sector, all of them have done much better than one year but to say everything is now hunky-dory and everything is all right, that would be overoptimistic. but at the same time, things are looking much better. haslinda: the rbi, regional bank of india, says it wants to link bankers' pay with performance. do you think that will help the issue at all? mr. kumar: 75% is still. i don't think there is a need, a direct correlation or link between the regional bank of india. it may have some impact about their decision-making process, but at the same time, i am praying that they are going to come through. juliette: european banks have been complaining loud and long about negative interest rates, but this week, francine lacqua set down with unicredit chief executive jean pierre mustier, who admitted

mr. kumarnking industry bank, theok at the sector, all of them have done much better than one year performance or one year ago, so -- but to say everything is now hunky-dory and everything is all right, that would be overoptimistic. but at the same time, things are looking much better. haslinda: the rbi, regional bank of india, says it wants to link with performance. the you think that will help the issue at all? mr. kumar: 75% is still. i don't think there is a need, a correlation or link between the regional bank of industry. it may have some impact about making progress, but at the same that they areying going to come through. juliette: european banks have been complaining loud and long about negative interest rates, but this week, francine lacqua set down with unit chief executive jean-pierre lucio, who says the break could be a good thing. here he is in another bloomberg exclusive. it is one that it could admit, so many people criticize the ecb saying we get the rates on broad, but at the

mr. kumarbanking industry also, i look at the numbers from different banks whether private or public sector, all of them have done much better than one year ago performance. they are slowly coming down off the difficulties. but to say everything is now hunky-dory and everything is all right, that would be overoptimistic. but at the same time, things are looking much better than they were. haslinda: the rbi, regional bank of india, says it wants to link pay with performance. do you think that will help the issue at all? mr. kumar: 75% is still. there is no issue with fixed compensation. direct think there is a correlation or link between the proposal. it will impact one of private sector. it may have some impact about their decision-making process. but at the same time, i am praying that they do not become too risk-averse. juliette: european banks have been complaining loud and long about negative interest rates, but this week, francine lacqua set down with unicredit chief executive jean pierre

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