The purpose of this study is to analyze the activities of Indonesian sharia banking institutions before the merger.BSI of state-to-state bank financial ratios revealed in Sharia Bank report.The design/methodology/approach used was regression analysis of panel kicker pro comp 10 data, which is a combination of time series data over time periods.Cross- sectional data comprising 2010-2019 and Muamalata.Shariah, BNI Shariah, BRI Shariah, Maybank Shariah, Mega Shariah, BCA Shariah.
Conclusion.The results of this study show that the variables CAR and NIM partly differ.This has major consequences for the efficiency (ROA) bovi-shield gold fp 5 l5 of Islamic banks.Variables NPF and FDR also have a significant impact on bank performance (ROA) in part.