The Impact of Financial Performance on the Profitability of the Indonesian Banking during the Covid-19 Pandemic

This research paper is to determine the effect of capital, liquidity, operational efficiency and bad loans on profitability in banking. For the 2020-2022 period, this research was conducted on banking companies that have the largest number of assets with 4 state banks and 4 private banks listed on the Indonesia Stock Exchange. The sampling technique used in this study was purposive sampling. The samples in this study were 4 state and private banks listed on the Indonesia Stock Exchange from 2020 to 2022. The data analysis method is panel data regression analysis which was processed using the EViews 12 program. The results of this reaserch indicate that it simultaneously influences ROA. the partial results show that CAR has no effect on ROA, LDR has a positive effect on ROA, BOPO has a negative effect on ROA and NPL has no effect on ROA