Performance Analysis of Conventional Commercial Banks in Indonesia During the Covid-19 Pandemic (2019-2020)
- DOI
- 10.2991/aebmr.k.220204.049How to use a DOI?
- Keywords
- Covid-19; Banks; Capital Adequacy; Liquidity; Credit Quality; Management; Earning
- Abstract
To overcome the economic crisis caused by the COVID-19 pandemic, many policies have been made by the Indonesian government, which is expected to stimulate the economy to increase. One way to determine the economic condition is to analyze the quality of banking performance in that country. This research was made to analyze the performance of banking in Indonesia during the COVID-19 pandemic (2019-2020) based on financial ratios, especially Conventional Commercial Banks in BUKU 1 to 4, and also to analyze government policies related to the economy and their impact on banking health conditions during the COVID-19 pandemic (2019-2020). The methodology for this research is a quantitative method, and the analysis uses descriptive statistics. The data is from Indonesian Banking Statistics (SPI) period 2015-2020 published by OJK. The performance of conventional commercial banks in all bank groups in terms of capital adequacy, liquidity, and credit quality during the 2019-2020 pandemic can still be categorized as a health condition. On the other hand, management and earnings aspects tend to decline due to credit relaxation directed by OJK and the determination of the reference interest rate by Bank Indonesia, which continues to decline. This can be used to note how far banks can survive, especially since the OJK policy regarding credit relaxation is valid until March 2022.
- Copyright
- © 2022 The Authors. Published by Atlantis Press International B.V.
- Open Access
- This is an open access article under the CC BY-NC license.
Cite this article
TY - CONF AU - Fitrina Lestari PY - 2022 DA - 2022/02/10 TI - Performance Analysis of Conventional Commercial Banks in Indonesia During the Covid-19 Pandemic (2019-2020) BT - Proceedings of the International Conference on Economics, Management and Accounting (ICEMAC 2021) PB - Atlantis Press SP - 436 EP - 441 SN - 2352-5428 UR - https://doi.org/10.2991/aebmr.k.220204.049 DO - 10.2991/aebmr.k.220204.049 ID - Lestari2022 ER -