PERBANDINGAN KINERJA KEUANGAN BANK UMUM SYARIAH DAN BANK PEMBANGUNAN DAERAH KONVENSIONAL DI INDONESIA TAHUN 2021-2023
Abstract
The research is comparing the Financial Performance of Islamic Commercial Banks (ICBs) and Conventional Regional Development Banks (CRDBs) during the three years Covid-19 pandemic in Indonesia from 2021 to 2023. It is also to know the health of the bank based on Financial Ratios. The research is quantitative by comparing the financial ratios of ICBs and CRDBs. The research result shows that Capital Adequacy Ratio (CAR) of ICBs is higher than CRDBs, Return On Assets (ROA) of ICBs is lower than CRBDs, Financing to Deposit Ratio (FDR) of ICBs is lower than Loan to Deposit Ratio (LDR) of CRBDs and OER or REO of ICBs is higher than CRBDs. Overall ICBs is healthier than CRBDs in term of financial performance.
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