ANALISIS PERBANDINGAN KINERJA KEUANGAN BANK KONVENSIONAL DAN BANK SYARIAH DI INDONESIA PERIODE 2016-2017

This study aims to compare the best financial performance of conventional banking and Islamic banking in Indonesia by using financial ratio analysis at PT. Bank Rakyat Indonesia (Persero) Tbk, PT. Bank Negara Indonesia (Persero) Tbk, PT. Bank Mandiri (Persero) Tbk and PT. Bank BNI Syariah Tbk, PT. Bank Syariah Mandiri Tbk, PT. Bank Muamalat Indonesia Tbk in 2016-2017. The research method used is the analysis of financial ratios in the form of capital ratios, liquidity ratios, profitability ratios and efficiency ratios which are then compared with the average banking industry in each conventional bank and Islamic banks. The results showed that conventional banks are better than Islamic banks in CAR, ROA, and BOPO ratios. Whereas Islamic banks are superior compared to conventional banks in the LDR ratio. The conclusion from this study is that conventional banks have better performance on an average valuation using financial ratios