Analysis of Go Public Bank Financial Performance Before and During the Covid-19 Pandemic
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Univer Publishing
Abstract
Description
The Covid-19 pandemic has greatly affected the financial sector, one of the financial sectors that still has stable financial performance, namely banking. This study aims to analyze differences in financial performance ratios, namely Capital Adequency Ratio (CAR), Loan to Deposit Ratio (LDR), Non Performing Ratio (NPL), Operating Expenses to Operating Income (BOPO) and Return on Assets (ROA) before the pandemic covid-19 and during the covid-19 pandemic. This study uses data from 32 banks that go public and publish reports at the financial services authority (OJK) in the second quarter of 2019 to the first quarter of 2021, using the difference-in-difference method. The results of the study show that in the CAR, LDR and ROA ratios there are significant differences in bank financial performance before and during the Covid-19 pandemic.
Keywords
Financial Performance, Covid-19, Difference-in-Difference