The first thought is: the banking union can succeed only if every single one of us, supervisors and supervised alike, is ready to take action and welcome the new.
The second thought is – and this is addressed not only to the ESE seminar participants, but to all parties involved in the banking union – we must be willing to keep learning, to open ourselves to new ideas and experiences, and to bring along the “doubting Thomases”, the hesitant ones, for the ride.