Analisa Perbedaan Kinerja Keuangan Bank Umum Yang Terdaftar di Bursa Efek Indonesia Sebelum dan Semasa Covid-19 Dengan Metode Camel

The purpose of this study is to analyze whether there are financial performance commercial banks listed on the Indonesia Stock Exchange before and during Covid-19 with the CAMEL method. Period of 2019 for before Covid-19 with period 2020 for the time of Covid-19. Camel method is used as a benchmark for financial performance using Capital Adequacy Ratio (CAR), Non Perfoming Loan (NPL), Net Profit Margin (NPM), Return On Asset (ROA), and Loan to Deposit Ratio (LDR). The study uses quantitative methods with a comparative approach. The technique in sampling data is purposive sampling and there are 36 general banking companies that meet the sample criteria that have determined. The tool for processing data is SPSS version 25. The statistical methods used are descriptive statistical tests, normality tests and wilcoxson different tests. The results of research from 36 companies that the capital aspect with CAR calculation, earnings aspect with ROA calculation, and liquidity aspect with LDR calculation there is a significant difference between before and during Covid-19. Meanwhile, the quality aspect of assets with NPL calculation and management aspect with NPM calculations there is no significant difference between before and during Covid-19.