Financial Performance Analysis of Banks’ Profitability During Covid 19 Pandemic

Abstract

The purpose of this study is to analyze the effect of CAR, LDR, NPL, NIM and BOPO, on the ROA of book 4 commercial banks during the Covid 19 pandemic.

This study uses the Panel Data Regression Model as a tool to test data from commercial banks book 4 during the Covid 19 pandemic. The banks that will be used are banks that are included in book 4 which are well known in Indonesia and also the selected banks have large total assets.

The results of the estimation of research on ROA of commercial banks book 4 during the Covid 19 pandemic showed that CAR, NPL, and BOPO, had a significant influence while the LDR and NIM variables did not have a significant effect. Simultaneously, ROA, CAR, LDR, NPL, NIM and BOPO have a significant effect on ROA.

Keywords: variables CAR, LDR, NPL, NIM, BOPO, ROA, Model Data Panel