CONCEPT ANALYSIS AND FINANCIAL PERFORMANCE IN CONVENTIONAL AND ISLAMIC BANKS ON PERIODE 2016-2020

Banking is one of the essential elements economic sustainability. Indonesia has two banking systems: with conventional principles and sharia principles. Differences in regulation system can affect results bank's performance. So, it necessary to analyze comparison bank performance determine significance differences. This research aims present findings a financial analysis carried out on Islamic banks' statements 2016-2020. study analyzes by looking at ratios consisting Capital Adequacy Ratio (CAR), Return Assets (ROA), Equity (ROE), Operating Costs, Income (BOPO), Financing Deposit (FDR). ) using SPSS. 36. The obtained are significant differences between CAR, ROA, ROE, BOPO, FDR banks. values better than banks, while ROA banks.
 Keywords: Conventional Banks, Financial Performance, Banks