The prominent "3%" text and the woman's subtle smile.

The ad opens with a close-up of a woman's face, looking down with a slight smile. The scene then shifts to an exterior shot of a modern building entrance in the rain, with two people walking up steps. The camera then focuses on a smartphone screen displaying a notification. Finally, the scene returns to the exterior of the building, with two people running in the rain, and the BBVA logo appears.