Abstract :
This study aims to determine and anayze the influence of credit risk, liquidity risk and earnings to the financial performance of the banking sector listed on the Indonesia Stock Exchange in 2016-2020: before and during the covid-19 pandemic. The sample selection using purposive sampling method and sample of this research is 42 banks. Data obtained from secondary data of the banking sector Bank annual report listed on the Indonesia Stock Exchange in 2016-2020. The analysis hypothesis in this study was based on previous research and various other supporting theories.
The results of this study showed that the credit risk (NPL) has a significant negative effect on financial performance before and during the covid-19 pandemic, liquidity risk (LDR) has a significant positive effect on financial performance before and during the covid-19 pandemic, earnings (CAR) has a signicifant positive effects on financial performance before the covid-19 pandemic and has a significant negative on financial performance during the covid-19 pandemic, and the covid-19 pandemic has a significant positive on financial performance.