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Dimas Eka Pratama
Department of Diploma in Banking and Finance, University of Merdeka Malang
Economics, Econometrics & Finance Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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The effect of income on net profit of banks before and during the Covid-19 pandemic Anjelina Lamablawa; Eko Yuni Prihantono; Dimas Eka Pratama
Jurnal Penelitian Vol 19, No 2 (2022): December 2022
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jp.v19i2.9303

Abstract

During the Covid-19 pandemic, the banking sector experienced a decline in performance in terms of funding and lending. This downturn had significant implications on the income and net profit of banks, leading to operational challenges. This study aims to examine the effect of income on net profit before and during Covid-19 in State-Owned Banks (SOBs) in Indonesia. We included all existing SOBs in Indonesia, totaling 64 firms-quarterly observations during the period from 2018 to 2021. The research methodology involved regression analysis and a comparative study using Paired Sample Test. Our findings indicate that income has a significant impact on net profit. Furthermore, we demonstrate that there was no difference in bank income before and during the Covid-19 pandemic. However, there were variations in the net profit obtained by the banks. This phenomenon can be attributed to decreased interest margins as banks had to lower the interest rates on deposits without reducing the interest rates on loans.
Co-Authors Anjelina Lamablawa Eko Yuni Prihantono