The study looked at how the way a company gets its money and its growth plans affect how well it does financially. They studied 32 regular banks and 14 Islamic banks in Indonesia from 2015 to 2018. The results showed that regular banks with more debt compared to their equity tend to have better return on equity but worse return on assets. Also, regular banks with more chances to grow tend to have better return on assets. On the other hand, Islamic banks with more debt compared to their equity and more growth opportunities tend to have better return on equity and return on assets. Regular banks are riskier than Islamic banks because they have more debt.