To illustrate, if you were only reactive to changes around you but not mindful of the impact of your actions on those around you, that could lead to discord. If, on the other hand, you are fully aware only of your own obligation, without being sensitive to changes in your surroundings, that could lead to stagnation.
Across the euro area, we see about two dozen large banks which constantly outperform their peers. They are based in different countries, they are of different sizes, and they have different business models. So it is not about a single successful business model. It is about the whole set-up of how to do banking today.