M.A. Thesis:

intellectual capital and financial performance of the bank by organizational innovation ( case study: mellat bank of khrasan razavi

The purpose of this study was to investigate the effect of intellectual capital on financial performance of Mellat Bank due to organizational innovation. This research is a practical research from goal perspective and based on the nature and method of correlation. The statistical population of the research is all branches of Mellat Bank of Khorasan Razavi.A total of 90 branches were selected as sample. Data collection tool was a questionnaire with 36 questions in which items related to the main variables were questioned and a 5-point Likert scale was used. The factual validity was confirmed by the faculty members and experts, and the validity of the questionnaire structure was confirmed by factor analysis and also the reliability of the questionnaire variables using Cronbach's alpha coefficient.Cronbach's alpha is used to assess the reliability of the questionnaire. If the value of this index is higher than 0.7, then the questionnaire has acceptable reliability. The data of this research have been analyzed in descriptive and inferential sections. To analyze the data, descriptive statistics (mean and variance) and structural equation methods are used.Considering the low sample size, we use the smart pls software to examine the relationships Findings indicate that organizations are dependent on the competence of employees and members of their organization. Many managers point out that their employees should share their information. In addition, they encourage them to learn, teach members to transfer knowledge from one part of the organization to another, and provide opportunities for others. In addition, it can be argued that managers should strive to increase the level of competence in order to meet customer demands, and try to improve the level of customer satisfaction through leading management thinking, integration, and commitment to innovation. The organization must also use the resources and capabilities (systems and processes) to create and develop organizational competencies, which in turn will lead to value creation for customers and, ultimately, to improve the financial performance of the organization. between the variables and respond to the research hypotheses

Keywords: Intellectual Capital, Human, Relational, Structural, Financial Performance, Organizational Innovatio