piyush: we did stress testing as you can imagine. shape of the sector doesn't make me sleep less at this point in time. i do think there will be some headwinds. retail sales have slowed down a lot. investment capital markets slowed down a lot. i think the best thing for all of us to look at is what do we do as we go forward. are going to put on their thinking caps to think about how they want to play this game. topiyush gupta, always great have a conversation with you. named bank of the world, right? best bank in the world. thatnk at his been named three times running. paul: thanks very much. haslinda speaking exclusively with the cvo of dbs. don't forget, you can watch us live and catch up on past interviews. become part of the conversation during our shows. this is for bloomberg subscribers only. this is bloomberg. ♪ shery: this is daybreak asia. i'm shery ahn in new york. paul: and i'm paul allen in sydney. a quick check of the latest business flash headlines. apple is ready to borrow $7 billion. it is joining a number of firms en