References:
[1]	A. Saunders and M. M. Cornett, Financial Institutions Management: a Risk Management Approach. New York: McGraw-Hill Education, 2014.
[2]	H. A. Buchory, “The Effect Implementation of Financial Intermediary Function, RiskManagement Application and Bank Capital Structure on Banking Financial Performance,â€ Universitas Padjadjaran, 2006.
[3]	Ascarya and D. Yumanita, Bank Syariah : Gambaran Umum. Jakarta: usat Pendidikan dan Studi Kebanksentralan (PPSK) BI, 2005.
[4]	T. W. Koch and S. S. MacDonald, Bank management, Australia. Cengage Learning, 2015.
[5]	M. Olivia, “Analisis Komparasi Kinerja Keuangan Bank Syariah Dan Bank Konvensional Dengan Pendekatan Camel Pada Pt Bank Bni Syariah, Tbk Dan Pt Bank Bni, Tbk Periode 2014 – 2018,â€ J. Audit dan Akunt., vol. 8, no. 1, pp. 73–88, 2019.
[6]	D. S. Hardianto and P. Wulandari, “International Journal of Islamic and Middle Eastern Finance and Management Article information : Islamic Bank Vs Conventional Bank : Intermediation , Fee Based Service Activity and Efficiency,â€ Int. J. Islam. Middle East. Financ. Manag., vol. 9, no. 2, pp. 296–311, 2016.
[7]	A. Puteh, M. Rasyidin, and N. Mawaddah, “Islamic banks in indonesia: Analysis of efficiency,â€ Emerald Reach Proc. Ser., vol. 1, pp. 331–336, 2018, doi: 10.1108/978-1-78756-793-1-00062.
[8]	R. Chandra, M. Mangantar, and S. G. Oroh, “Analisis Kinerja Keuangan PT Bank Syariah Mandiri Dan PT Bank Mandiri Tbk Dengan Menggunakan Metode CAMEL,â€ J. Berk. Ilm. Efisiensi, vol. 16, no. 2, pp. 2010–2016, 2016.
[9]	M. F. Firdaus and M. N. Hosen, “Efisiensi Bank Umum Syariah Menggunakan Pendekatan Two-Stage Data Envelopment Analysis,â€ Bul. Ekon. Monet. dan Perbank., vol. 16, no. 2, pp. 167–188, 2014, doi: 10.21098/bemp.v16i2.31.
[10]	Y. A. Vivin and B. Wahono, “Analisis Perbandingan Kinerja Keuangan Bank Umum Syariah dengan Bank Umum Konvensional di Indonesia,â€ e-Jurnal Ris. Manaj., pp. 77–97, 2017.
[11]	Y. F. Putri, I. Fadah, and T. Endhiarto, “Analisis Perbandingan Kinerja Bank Umum Konvensional Dan Bank Umum Syariah,â€ J. Ekon. Akunt. dan Manaj., vol. 14, no. 1, pp. 27–42, 2015, doi: 10.17509/manajerial.v20i2.29379.