Abstract
The paper evaluates influence of human capital of top management on innovation strategy on the basis of study of innovation activity of Russian commercial banks in the period of 2017–2019. We have compiled a rating of commercial banks for retail segment innovations, selected the four least innovative banks. We have studied the key indicators of human capitalof top management in eight chosen banks. The paper has revealed the interrelation between different elements of human capital of top management and innovation strategies of Russian commercial banks. We have defined personal traits which portray a manager who exerts influence on innovations in a company.
 The paper is intended for investors in emerging markets which try to understand the evaluation mechanisms of impact of the financial companies’ current management on their future development path, for analysts engaged in forecasting trends related to optimization and automation in retail banking and assessment of corporate innovative capacity.
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