Banks recognize the importance of innovation to maintain their business position and to grow in their changing market. However investments in innovation have increased during the last years. Yet real innovation success results from the combination of financial means AND rigorous implementation. In order to boost innovation ROI, banks should start from a holistic view on their innovation capabilities. including strategy, delivery and structure & culture. Whilst it is recommended to focus on the weakest link for delivery capabilities, companies should focus on improving their innovation structure & culture.