Abstract
The aim of this paper is to examine the impact of intellectual capital efficiency on the performance of commercial banks in India for twotime periods, viz. 2018-19 and 2020-21 representing the pre and post-merger periods. The IC efficiency (ICE) of the banks is measuredusing the standard Human Capital Efficiency (HCE), Structural Capital Efficiency (SCE). The performance is measured in terms ofReturn on Assets (ROA), Return on Equity (ROE), Net Interest Margin (NIM), and Return on Investments (ROI). The results show thatsub-components of IC have impacted the performance of banks variedly, but not consistently. The ICE of private sector banks hasincreased over the period of study. The impact of merger on the ICE performance of the individual public sector banks has been mixed,though on the average, there is no immediate statistically significant impact of the mergers on the ICE performance of all the public sectorbanks in India.Key words: Intellectual Capital Performance, Human Capital, Banking, Productivity, Profitability, Mergers
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