<p class="Body">The purpose of this paper is to analyze the internal and macroeconomic factors that affect the sensitivity of core depositors in Islamic and conventional banking in Indonesia. These internal factors are performance of the Finance to Deposit Ratio (FDR) for Islamic banking or Loan To Deposit Ratio (LDR) for conventional banking, Operating Costs to Operating Income (BOPO), Return On Assets (ROA) and Capital Adequacy Ratio (CAR), while macroeconomics are Inflation (INF), Gross Domestic Product (GDP), Repo Rate 7 Day the central bank of Indonesia (RRA) and foreign exchange (FEX). The research used a dynamic model with the Autoregressive Distributed Lag approach used monthly data from 2013-2019. ARDL has been used to test the sensitivity of core depositors on bank performance and macroeconomics, while the Granger causality test has been used to examine the effect of the sensitivity of core depositors on the liquidity of Islamic and conventional banks. The results showed that the Islamic banking core depositors are more sensitive to the performance of CAR, FEX, and RRA. Meanwhile, conventional core depositors are sensitive to LDR and FEX. The impact of core depositors' sensitivity to liquidity risk has been seen in conventional banks, while the core depositors of Islamic banks have no impact on liquidity risk. This paper specifically complements the previous research on the analysis of core depositors and that it can be used as an early warning sign of liquidity risk on Islamic and conventional banks in Indonesia.</p>