The Impact of Pandemic Covid-19 on Bank Financial Performance (Study at Province Development Bank in Sumatera)

Abstract

This research aims to analyze the impact of pandemic covid-19 on bank financial performance and the differences between bank performance before and after pandemic covid-19 at Province Development Bank in Sumatera based on financial criteria: namely the ratio of NPL  ( Net Performance Loan Ratio), ROA ( Return on Asset ), ROE ( Return On Equity ), LDR ( Loan Deposit Ratio ) and CAR ( Capital Adequacy Ratio ). This research uses quantitative method by using a comparative approach. Population and samples of this research are all   the Province Development Bank in Sumatera ( 8 Banks). Descriptive statistic, Paired Sample Test, and  Wilcoxon test were used to analyze these data. The result of this research show that; (1) there were significant differences financial performance on Province Development Bank in  Sumatera  before and after the pandemic Covid-19 based on NPL and CAR performance criteria. (2) there were no difference in bank financial performance before and after the pandemic Covid-19 based on ROA, ROE and LDR performance criteria.

Keywords: Financial Performance, Net Performance Loan, Return On Assets, Return On Equity, Loan to Deposit Ratio, and Capital Adequacy Ratio.

DOI: 10.7176/RJFA/12-22-12

Publication date: November 30th 2021