PT. Bank Negara Indonesia financial statement performance analysis before and amid Covid-19 pandemic

M Allo, Yusuf Rombe (2023) PT. Bank Negara Indonesia financial statement performance analysis before and amid Covid-19 pandemic. International Journal of Commerce and Management Research, 9 (4). pp. 69-73. ISSN 2455-1627

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Abstract

This study investigates the PT. Bank Negara Indonesia Financial Statement Performance before and amids Covid-19 Pandemic. It was conducted at PT. Bank Negara Indonesia (Persero), Tbk. Jakarta. As for the considerations of researchers choosing the object of this research is PT. BNI (Persero), Tbk, is a state-owned bank with a good reputation, branches all over Indonesia, and many customers. Bank financial performance assessment in this study consists of five variables: NPF, FDR, GCG, ROA, and CAR. The research data is taken from the financial reports of PT. BNI (Persero), Tbk in 2018-2020. Data is calculated quantitatively using a predetermined measurement matrix. The results of this study indicate that all variables, such as NPF, FDR, GCG, ROA, and CAR as a whole during the pandemic, did not affect the level of PT. BNI (Persero), Tbk. Although there is a decrease, it is still categorized as healthy, so the financial performance of PT. BNI (Persero), Tbk before the Covid-19 period 2018-2019, the majority were predicated as healthy, and during the Covid-19 period 2020, the majority were also healthy. It can be concluded that the analysis of financial performance at PT. BNI (Persero), Tbk before and during the pandemic, assessed the bank's soundness level using the RGEC method, showing that the bank's health rating was following the standards set by Bank Indonesia. Keywords: Performance, financial reports, PT. BNI (Persero), Covid-19

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