Analisis Dampak Covid-19 terhadap Kinerja Perbankan

Abstract

This study aimed to analyze the impact of the Corona Virus Disease-19 (Covid-19) pandemic on the performance of PT. Bank Pembangunan Daerah Jawa Timur Tbk. Cabang  Magetan,  and  analyzed  the  scheme  design  which  contains  the  most  neededstrategic steps to correct the weakening of its performance. The method used in this research is descriptive statistics. The data used are financial statements in financial ratios, including BOPO, NIM, NPL, and CKPN. This study indicates that there has been a  change  and  a  slowdown  in  the  financial performance  of PT. Bank  Pembangunan Daerah Jawa Timur Tbk. Cabang Magetan, both in terms of CKPN, NPL, BOPO, and NIM. Meanwhile, the policy that has been  taken  to  correct  these  weaknesses  is the implementation of a stress test preparation for the fixed effects industry level with the estimation of the ordinary least square model and the balance sheet approach, which can capture the dynamics of individual banks in surviving the shocks given in the stress test scenario (PD, LGD, and EAD) to see industrial resilience. Keywords: Covid-19; Banking; Financial Performance