ANALISIS PERBANDINGAN KINERJA KEUANGAN BANK UMUM KONVENSIONAL DENGAN BANK UMUM SYARIAH 2016-2018

This study aims to analyze the Comparison of Financial Performance of Conventional Commercial Banks with Islamic Commercial Banks 2016-2018. This study uses a type of quantitative research using a comparative approach. Data used secondary data obtained from each web bank. The sampling method used is the purposive sampling method, so that there are 5 Conventional Commercial Banks and 5 Islamic Commercial Banks. The ratio used in this study is the Return On Assets (ROA) Ratio, Return On Equity (ROE) Ratio, Operating Costs to Operating Income, and Non Performing Loans / Non Performing Financing (NPL / NPF). The analysis technique uses Descriptive Statistics Test, Normality Test, and Independent Sample T-Test Test with the help of SPSS 23 Software. The results showed that there were significant differences in Conventional Commercial Banks with Islamic Commercial Banks based on the ratio of ROA, ROE, and BOPO because the results of T count 0.05. The best results of financial performance at conventional commercial banks based on ROA, BOPO and NPL Ratios are Bank BCA, while the ROE Ratio is Bank BRI. The best financial performance results in sharia commercial banks based on ROA, ROE, and BOPO Ratios are Mega Syariah Bank, while the NPL Ratio is BCA Syariah Bank