The experience of advanced countries and various studies in the field of economic growth of countries over time or among countries have shown that explaining the rate of economic growth only through conventional factors; Like capital and labor force, it does not give accurate results and human capital as a main variable should be included in growth models. For this purpose, the current research aims to examine the impact of human capital and investment efficiency on banks' risk. The data related to the banks admitted to the Tehran Stock Exchange and the Tehran Stock Exchange for the ten-year period between 1392 and 1401 were extracted for 22 banks and the statistical software Eviews 8 was used. The current research is an applied research from the aspect of the result. After statistical analysis, the results of research hypotheses indicate that there is a positive and significant relationship between human capital and bank risk and between investment efficiency and bank risk.