The purposes of the research were to analyze the impact of intellectual capital on banking financial performance. Intellectual capital in this study was measured with the method of Value-Added Intellectual Capital (VAIC). The banking financial performance was measured with the indicator of profitability ratio and capital ratio. The hand of profitability ratio is Return on Asset (ROA) and Net Interest Margin (NIM), While the indicator used to measure the capital ratio is Capital Adequacy Ratio. The sample used in this study is 125 observed data of 25 banks listed on the Indonesia Stock Exchange for 2016-2020, which met the criteria determined. Data were analyzed using WarpPLS 7.0 software. This study shows that overall intellectual capital, which VAIC measures, has a positive and significant impact on ROA. Still, it does not substantially impact NIM and does not affect CAR. However, one of the components of intellectual capital, HCE and SCE, partially has the most significant impact on forming VAIC and has a positive and significant effect on ROA and NIM. This IC component is believed to be able to improve the company’s performance in the current era of rapid technological development