Comparison of Bank Soundness Levels Using the Risk-Based Bank Rating Method Before and During the Covid-19 Pandemic

The financial system plays a very important role in achieving sustainable growth rates. Banks with their performance are the main country's system. This study aims to determine differences bank soundness level using Risk-Based Bank Rating method aspects of Risk Profile, Good Corporate Governance, Earnings, and Capital before during Covid-19 pandemic. research is conducted at commercial banks Indonesia total sample 84 registered OJK. data analysis technique used Wilcoxon Signed Rank Test. results show that Profile which measured LDR, Earnings ROA NIM, proxied by CAR there significant also was no difference aspect as NPL Governance From bank's point view, still safe position even though NIM have experienced downgrades due ineffective Credit restructuring ineffectiveness lending were reasons for