Innovation is an attitude that arises from a constant desire to improve and to explore different and more efficient ways of doing things. Thus innovation in business strengthens BBVA’s positioning as a large bank through quality as well as innovation. The concrete aspects are as follows:

• development of innovation tools that will help to make BBVA more permeable to best internal and external practices, and will support the creation and extension of such practices. 

• innovation projects that are associated with corporate projects, eg, those that affect the group’s business or culture, those that concern various areas and those that require a new focus or that deal with structural questions.