<![CDATA[ABSTRAKAbstract: This research was conducted to determine the performance of Conventional Banks (Bank BNI and Bank BRI) and Sharia Banks (Bank BCA Syariah and Bank Bukopin Syariah) as measured using Capital Adequacy Ratio (CAR), Non-Performing Loans (NPL), Return On Assets (ROA), Operational Costs to Operating Income (BOPO), and Loan To Deposit Ratio (LDR) for 2019-2021. The research method used is descriptive research with quantitative methods using secondary data as research material. The secondary data used are the annual reports of Conventional Banks (Bank BNI and Bank BRI) and Sharia Banks (Bank BCA Syariah and Bank Bukopin Syariah). The sampling method used is purposive sampling. The data analysis technique uses statistical techniques in the form of a two-average difference test (Independent sample T-Test). The research results show the financial ratios of NPL, ROA, and ROE. Meanwhile, there is no significant difference in the CAR, LDR, and BOPO ratios between the performance of conventional banks and Islamic banks. Meanwhile, the mean (average) value of the CAR and LDR ratios performs better for Islamic banks than conventional banks. Meanwhile, in terms of NPL, ROA, ROE, and BOPO ratios, conventional banks are better than Sharia banks. So overall it can be seen that conventional banks perform better than Sharia banks. Abstrak: Penelitian ini dilakukan untuk mengetahui kinerja Bank Konvensional (Bank BNI dan Bank BRI) dan Bank Syariah (Bank BCA Syariah dan Bank Bukopin Syariah) yang diukur menggunakan Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Return On Assets (ROA), Biaya Operasional Terhadap Pendapatan Operasional (BOPO), dan Loan To Deposit Ratio (LDR) tahun 2019-2021. Metode penelitian yang digunakan adalah penelitian deskriptif dengan metode kuantitatif dengan menggunakan data sekunder sebagai bahan penelitian. Data sekunder yang digunakan adalah laporan tahunan Bank Konvensional (Bank BNI dan Bank BRI) dan Bank Syariah (Bank BCA Syariah dan Bank Bukopin Syariah). Metode pengambilan sampel yang digunakan adalah purposive sampling. Teknik analisis data menggunakan teknik statistik yang berupa uji beda dua rata-rata (Independent sample T-Test). Hasil penelitian menunjukkan rasio keuangan NPL, ROA dan ROE. Sedangkan rasio CAR, LDR dan BOPO tidak terjadi perbedaan yang signifikan antara kinerja bank konvensional dan bank syariah. Sedangkan nilai mean (rata-rata) rasio CAR dan LDR kinerjanya lebih baik bank syariah daripada bank konvensional. Sedangkan ditinjau dari rasio NPL, ROA, ROE, dan BOPO, bank konvensional lebih baik daripada bank syariah. Jadi secara keseluruhan dapat dilihat bahwa bank konvensional kinerjanya lebih baik daripada bank syariah.]]>
