Comparison of Indonesian Banking Performance Before and During The Covid-19 Pandemic

Abstract

This study aims to analyze the differences in ROA, CAR, BOPO, NPL / NPF, LDR / FDR of conventional and syariah banking before and during the Covid-19 pandemic. The data used is secondary data consisting of 9 months of data before the Covid-19 pandemic, namely June 2019 - February 2020 and 9 months of data during the Covid-19 pandemic, namely March 2020 - November 2020. The analytical tool used is the Dependent Sample T difference test. -Test. Research result:1.) The Covid-19 era has reduced the performance of conventional banking in terms of the average ROA, CAR and LDR ratios, while the BOPO and NPL ratios did not differ in performance before and during Covid-19. However, in general the financial performance ratios of conventional banking during the Covid-19 were still in the good category according to Bank Indonesia standards; 2.) The Covid-19 era has increased the performance of syariah banking as seen from the average CAR, OEOI, FDR ratios. However, for the ROA and NPF ratios, there was no difference in performance before and during Covid-19. However, in general, the financial performance ratios of syariah banking during Covid-19 were still in the good category according to Bank Indonesia standards.