Research Article
Comparative Analysis Of Financial Performance Of Conventional And Islamic Banks Using Camels Ratio
@INPROCEEDINGS{10.4108/eai.1-8-2024.2354998, author={Novian Dicho Sahputra and Bambang Widagdo and Rizki Febriani}, title={Comparative Analysis Of Financial Performance Of Conventional And Islamic Banks Using Camels Ratio}, proceedings={Proceedings of the 1st International Conference on Business Economics, Entrepreneurship, and Social Sciences, ICBEESS 2024, 1st August 2024, Gresik, East Java, Indonesia}, publisher={EAI}, proceedings_a={ICBEESS}, year={2026}, month={2}, keywords={financial performance conventional bank islamic bank camels ratio}, doi={10.4108/eai.1-8-2024.2354998} }- Novian Dicho Sahputra
Bambang Widagdo
Rizki Febriani
Year: 2026
Comparative Analysis Of Financial Performance Of Conventional And Islamic Banks Using Camels Ratio
ICBEESS
EAI
DOI: 10.4108/eai.1-8-2024.2354998
Abstract
This study aims to analyze the comparison of the financial performance of conventional banks and Islamic banks using the CAMELS ratio, in the period 2018-2022. The method used in this research is a comparative research method, with a quantitative approach. The type of data used is secondary data, in the form of company financial statements. The test was carried out using a two-average difference test method, namely the Independent Sample T-Test test and the Mann-Whitney test using the SPSS 23 program. The results showed that there was a significant difference between the financial performance of conventional banks and the financial performance of Islamic banks seen from the interest expense ratio (IER). The financial performance ratios of Capital Adequacy Ratio (CAR), Non-Performing Loan (NPL), Net Profit Margin (NPM), Return On Asset (ROA), Operating Costs and Operating Income (BOPO), and Loan to Deposit Ratio (LDR) of conventional banks and Islamic banks there is no significant difference.
