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The study aims to conduct a comparison of financial performance between state-owned banks and Islamic banks registered with idx from 2015-2020 and to assess the performance of which banks are better using financial ratios, namely LDR, ROA, BOPO and CAR ratios.
The data used in this study was obtained from the financial statements of state-owned banks and Islamic banks, published on the Indonesia stock exchange for the period 2015-2020. The samples used for government-owned banks are BNI, BRI, Mandiri and BTN. For Islamic banks the sample is bri Syariah bank.
The data analysis technique used to determine the performance comparison between government-owned banks and Islamic banks is an independent sample t-test method. The results of this study showed that: 1) there is a significant difference from the ratio of LDR and BOPO in government-owned banks to Islamic banks, but in the ratio of ROA and CAR there is no negiable difference between government-owned banks and Islamic banks. 2) The LDR ratio of government-owned banks is better than that of Islamic banks. From the ROA ratio of government-owned banks produce high values and the lowest ROA ratio value is also found in government-owned banks while Islamic banks also have a good ROA ratio. From the bopo ratio of government-owned and Shariah banks have not been efficient in accordance with the standards set by bank Indonesia. From the ratio of car owned banks are better than Islamic banks.
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