Intellectual capital and bank productivity in emerging markets: evidence from Ghana

What is it about?

This paper explores the hypothesis that investments in the intellectual resources of banks explains the growth of bank outputs in loans, investments and fees in Ghana. From the analysis, we observe that the growth in productivity is mostly driven my the incidence of imitations of efficient banks by less efficient banks. However, investments in banks intellectual resources has the potential to increase innovation-driven output growth. This indicates that, the development of banks' intellectual resources facilitates innovation in the design of banking services and increase the customers usage and the revenues generated thereof.

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Why is it important?

The findings of the study is very relevant for management of banks in emerging economies that seek new and improved ways in enhancing their performance. This study is the first to provide an empirical evidence on the significance of intellectual resources in driving bank performance.

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