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ESA KURNIA ARIANGGI SURYAATMAJA Pengarang Triyono Adi Tristanto, S.S, M.M Dosen Pembimbing 1 Ahmad Nurdin Hasibuan,S.E.,M.M Ketua Penguji/Penguji 1 Dadan Sundara, S.E, M.M Anggota 1/Penguji 2 Medy Desma Fatwara, S.E. M.M Anggota 2/Penguji 3

The results of research that has been conducted at several banks as a representation of Islamic banks and conventional banks, obtained information that Islamic banks have an average CAR ratio of 16.14% and conventional banks have a mean CAR ratio of 18.85%. This data shows that the ability of Islamic banks to bear the risk of any risky credit/earning assets is smaller than that of conventional banks. Based on the results of the research that has been done, it is obtained that Islamic banks have an average NPL ratio of 7.08%, the average NPL ratio of conventional banks is 4.39%. This data shows that the percentage of non-performing loans in Islamic banks is greater than that of conventional banks, while the loans granted by Islamic banks are smaller than that of conventional banks. Based on the results of the research that has been done, it is found that Islamic banks have an average ROA ratio of 0.77% and an average ROA ratio of conventional banks is 1.75%. This data shows that the level of efficiency and effectiveness of conventional banks in generating profits by utilizing their assets is greater than that of Islamic banks. The results of the research that has been carried out state that Islamic banks have an average BOPO ratio of 57.45% and an average BOPO ratio for conventional banks of 58.64%. This data shows that the level of efficiency of Islamic banks is lower than conventional banks, meaning that in terms of efficiency Islamic banks are better than conventional banks. the average LDR ratio of Conventional Banks is 95.07%. This data shows that the level of ability of conventional banks to fulfill financial obligations that must be fulfilled immediately is greater than that of Islamic banks, meaning that third party funds channeled for financing by conventional banks are higher than Islamic banks so that the role of conventional banks in facilitating between capital owners and third parties -Parties who need more funds to function.