The large "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 in the rain, with two people running towards the entrance. A car drives by. The next shot shows a hand holding a smartphone displaying a notification from BBVA. The ad concludes with the two people from earlier, caught in the rain, looking surprised and then running. The BBVA logo appears prominently.