ANALISIS PERBANDINGAN SEBELUM DAN SESUDAH PANDEMI COVID–19 TERHADAP KINERJA KEUANGAN PERBANKAN (Studi Empiris pada PT Bank Negara Indonesia Persero Tbk)

Abstract

This research aims to analyze the comparison before and after the Covid-19 pandemic on banking financial performance, particularly at PT Bank Negara Indonesia Persero Tbk, to evaluate RGEC (Risk Profile, Governance, Earnings, and Capital) as assessment indicators. This research uses a quantitative analysis method on PT Bank Negara Indonesia Persero Tbk's financial reports, with data sourced from the 2019-2023 Annual Report of PT Bank Negara Indonesia Persero Tbk. The research results show that before and after the Covid-19 pandemic, in the Risk Profile analysis, the NPL in 2020 was 4.3%, categorized as Healthy credit. The LDR in 2019 was 91.5%, categorized as Fairly Healthy credit. In the Governance analysis, KI in 2023 was criticized as a Very Low credit with a rate of 2.68%. Meanwhile, the PDKI in 2019, 2021, and 2022 maintained the same value of 1.75%. In the Earnings analysis, the NIM consistently obtained a value of 4, indicating that the company's income condition faces quite a significant problem. The BOPO reached its highest value in 2020 at 93.3%, indicating that income is not yet efficient. In the Capital analysis, the CAR in 2020 experienced a very low value compared to other years, with a rate of 15.7%.