The effect of COVID-19, Non-performing Loans, and Non-Interest Income on Bank Performance
Bibliographic record
Abstract
The COVID-19 pandemic that has hit the entire world has also had a major impact on the banking industry at the global level. Therefore, this study aims to examine the effects of the COVID- 19 pandemic, non-performing loans, and non-interest income in ASEAN-5 countries from the first quarter of 2020 to the fourth quarter of 2021. The sample consists of 86 banks listed in the capital markets of Indonesia, Malaysia, Thailand, Singapore, and Philippines. The research method used is panel regression estimated using fixed effect model and random effect model. The results showed that COVID-19 had a significant positive effect on net income after taxes, while non-performing loans also had a significant and negative effect on banking performance. However, there is no significant role in non-interest income in banking in ASEAN-5.
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How this classification was reachedexpand
Full frame distilled prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. Learned from the 10,348 direct Codex labels and 10,348 direct Gemma labels. Candidate is the union of thresholded teacher heads; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels or direct frontier model labels.
Codex and Gemma teacher scores by category
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.001 | 0.001 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.000 |
| Bibliometrics | 0.000 | 0.001 |
| Science and technology studies | 0.000 | 0.000 |
| Scholarly communication | 0.000 | 0.001 |
| Open science | 0.000 | 0.000 |
| Research integrity | 0.000 | 0.000 |
| Insufficient payload (model declined to judge) | 0.000 | 0.000 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from itClassification
machine, unvalidatedMachine predicted; a candidate call from one teacher head, not a consensus.
How this classification was reached, model by model and score by score, is at the end of the page under "How this classification was reached".