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The COVID-19 pandemic has had an impact on all aspects of life, including Indonesian banking. Furthermore, there has been a rapid growth of both Islamic and conventional banking industries. Therefore, this study aims to analyze the dierences in the nancial ratios of capital adequacy ratio, non-performing loans/non-performing nancing, return on asset, return on equity, operating expense to operating income, as well as loan to deposit ratio/nancing todeposit ratio of Islamic and conventional banking during the COVID-19 pandemic. Acomparative analysis method was used with a quantitative approach, and data analysis was carried out using the independent sample t-test and the Mann-Whitney rank test. The results showed that during the COVID-19 pandemic, there were signicant dierences in the nancial performance ratios of capital adequacy ratio, non-performing loans/non-performing nancing, return on asset, return on equity, operating expense to operating income, and loan to deposit ratio/nancing to deposit ratio for both Islamic and conventional banking. Moreover, conventional banking tends to have better nancial performance compared to Islamic bankingduring the COVID-19 pandemic. The implication of this study is that the public can nd out the nancial position of both Islamic and conventional banks and make comparisons to ascertain which one has a better nancial position in times of crisis.

A Comparative Study on Financial Performance between Islamic and Conventional Banking in Indonesia During the COVID-19 Pandemic