Libra is not for Banks it is for end users.And they are not developing payment system for banks.Ripplenet and XRP vs Libra is something quite different I think.
Exactly libra is not a competitor of ripple since they are not planning of being a coin to settle transfers between banks.
Not yet, but I think even such possibilities might already be discussed with the biggest banks in the world and especially those in the US.
Now everything is in speculation which we don't have any idea what are they future thoughts about the Libra coin but as of now we already understand Libra is also one of Centralised coin like Ripple. We have to wait and see once they start releasing the coin to the public.